Accessibility according to vocabulary.com refers to the quality of being available when needed Cashless according to Cambridge dictionary using or operating with credit and debit cards and electronic systems, not money in the form of coins or notes Customer according to Cambridge dictionary is a person who buys goods or a service Credit card according to Cambridge dictionary a small plastic card that can be used as a method of payment, the money being taken from you at a later time Decision making process according to collinsdictionary is the process of reaching decisions, especially in a large organization or in government. Psychological factors according to collinsdictionary also influence body temperature: a very excited person often has an elevated temperature. Cultural factors according collinsdicionary cannot be blamed for terrible individual behavior Private sector according to Collins dictionary. is the part of a country's economy which consists of industries and commercial companies that are not owned or controlled by the government. Spending according to collinsdictionary, it is the act of paying out money Security according to collinsdictionary refers to all the measures that are taken to protect a place, or to ensure that only people with permission enter it or leave it. User awareness according to sciencedirect.com awareness is knowledge that leads to appropriate security behaviors Personal characteristics according to collinsdictionary, the characteristics of a person or thing are the qualities or features that belong to them and make them recognizable. Social factors according to psychologydictionary These are the factors that affect our thought and behavior in social situations. This includes feedback, splitting into smaller groups and unresolved conflict.