“…For many consumers, using computers or even being around them results in anxiety (Chua, Chen, & Wong, 1999;Heinssen, Glass, & Knight, 1987;Scull, 1999). Computer anxiety is defined as an affective response that reflects apprehension and fear felt by an individual when he or she is using or considering the implications of using computer technology (Cambre & Cook, 1985;Heinssen et al, 1987;Scott & Rockwell, 1997). It is estimated that more than half of Americans suffer from technical phobia (Williams, 1994) and more than one third of college students have computer anxiety (DeLoughry, 1993).…”