Hi all:

I'm looking for your thoughts and/or references to research or other
well-founded work regarding the factors that eventually convert people from
taking care of tasks on-ground to taking care of them online.  I expect that
some of the biggest areas in which this is relevant are shopping and
banking.

I realize this is a big question and there are many "it depends" answers,
but but in general, for a computer-savvy audience of middle-of-life folks,
my sense is that this move happens when some combination of factors is
evident:

   - Assurance of security
   - Faster to do tasks online
   - Hours are better
   - Anonymity/privacy
   - Anything else?

I am even more interested in this type of conversion when people are looking
for information. When do they convert from calling someone on the phone to
using an online resource (knowledge bank)?

   - Anonymity/privacy - don't have to feel stupid by asking their
   question
   - Get a response/answer immediately (assuming they can find the
   information they wanted)
   - Discover additional information along the way?
   - Anything else?

I know that two very strong factors at work underneath all of these other
ones are age, and comfort with computers in general.  I'm not interested in
discussing those ones in this case since my audience is as described above,
but you guys want to talk about those factors (they certainly merit
discussion) please feel free to start an offshoot thread!

All the best,
Ariel van Spronsen
www.arielv.net
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