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Technology marketers should take consumer life-cycle into account, new study shows

Marketers should pay attention to where consumers are in their lifecycles when determining how to get them to adopt new technologies. Marketers may have incorrectly assumed that older consumers avoid products such as debit or credit cards because they are technophobic or find them hard to learn. Instead, the paper suggests, these consumers may simply see limited future benefits to changing their current habits because of their shorter remaining lifespans.
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