The owner of a fast-food restaurant in a city continues to accept only cash for transactions, although credit/debit cards are common practice in other business establishments.The owner has not adopted the technology because of her fears with regard to the security of these transactions.Hence, she can be considered a(n):

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The owner is considered a laggard because she is resistant to adopting new technology and prefers to stick with traditional methods due to security concerns, despite the widespread use of credit/debit cards in other businesses.

The Owner of a Fast-Food Restaurant in a City Continues