Ever readier to shop online. Willing to be tracked online if there is a quid pro quo. But – paradoxically – mounting concerns about privacy and security.

Call that a scrambled, perhaps even contradictory, picture but it is the sharp portrait accounting giant KPMG draws of online consumers in its latest edition of "The Converged Lifestyle."

The report, which KPMP has prepared for several years, offers a vivid recapping of the enormous changes – driven by technology – that have revolutionized retail in the past decade.

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