The purpose of this thesis is to examine the relationship between individuals’ levels of willingness to communicate and their preferences for making transactions online. Two different types of online transactions are being studied here, i.e. online shopping and online banking. Using theories relevant to this study, hypotheses are developed around the variables being studied. The hypotheses propose that: (1) there are significant differences in levels of willingness to communicate for people with different preferences between shopping online and in a retail store; (2) there are significant differences in levels of willingness to communicate for people with different preferences between paying bills online and at a bank counter. A structured questionnaire survey was conducted on approximately 200 university students in Ronneby, Sweden. Results from statistical test show that there are no significant differences in levels of willingness to communicate for people with different preferences between paying bills online and at a bank counter. However, statistical test shows that there are significant differences in levels of willingness to communicate for people with different preferences between shopping online and in a retail store. It is also observed that individuals with a stronger preference (either towards online shopping or “offline” shopping) tend to have a higher level of willingness to communicate than those who have a weaker preference or are neutral between online and “offline” shopping.