33.3% more Gen Z consumers are hybrid consumers compared to all consumers. 17% of U.S. customers choose to purchase groceries and household goods online. Consumers are most likely to quote convenience as their major purpose for buying in-store or online regardless of habits or preferences.

Merchants also risk fraudulent purchases if clients are utilizing stolen credit cards or fraudulent repudiation of the online buy. However, retailers face less threat from physical theft by utilizing a warehouse instead of a retail storefront. Secure Sockets Layer encryption has generally solved the problem of bank card numbers being intercepted in transit between the …