answer:Perception of safety is a big one. I personally do banking and taxes and all of that online, but my parents (the WW2 generation) don’t. I don’t know that it’s rational – most online transactions are safer and faster than putting a piece of paper in the mail. But you’re not going to score points by forcing people into an avenue that they are not comfortable with. The other issue is verifiability. (which is related to trust). If I write you a check, I have physical evidence (even if only a photo of my check) that I paid you. If I pay online, I might have some sort of a transaction number, but absolutely nothing that I could show in a court of law.