almost significantlyp = 0.11
For the reference group, i.e., payments in the supermarket by people in the age group 12 – 24 years old with a medium income, the estimated effect of the start of the first lockdown on the likelihood of debit card usage is positive and is almost significantly different from zero at the 10% level ( p = 0.11), suggesting that the likelihood that the reference transaction was paid with a debit card may have risen after the first lockdown.