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NEW YORK (MainStreet) -- As the big-spending holiday season approaches, shoppers are increasingly apprehensive about the rise in credit card breaches at major retailers and are adjusting their shopping behavior accordingly. But the October launch of Apple Pay won't quell anxiety: consumers are gravitating toward cash, with men and younger consumers more likely than women and older consumers to say that they would use cash rather than credit or debit cards at retailers that have had a security breach, according to a new survey from TheStreet conducted by GfK.

And despite last holiday season's hack ofTarget (TGT) - Get Target Corporation Report and the breaches at the likes ofMichaels (MIK) - Get Michaels Companies Inc Report and Home Depot (HD) - Get Home Depot, Inc. Report , plus heightened consumer concern with regard to how they pay, most shoppers are set in their ways and won't be terribly inclined to adjust their spending behavior.

The tweaks Americans do make can be categorized in three ways, ascribed to consumers' gender and age and the attendant psychology governing certain demographics.

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