More Internet stores figure they'll be able to win over Nervous Nellies by accepting payments from services like BillMeLater, PayPal and Secure-ebill, which either allow a customer to pay directly from a bank account or allow personal financial information to be stored in one place, rather than spread out among numerous merchants.

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The next step is to accept that its problems will only get worse, since the effects of the Internet on physical stores will only get stronger as more consumers use the Internet for research and shopping.

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Big Box stores are driving consumers to the Internet and into the stores using this strategy.

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