[ "age", "monthly_income", "daily_internet_hours", "smartphone_usage_years", "social_media_hours", "online_payment_trust_score", "tech_savvy_score", "monthly_online_orders", "monthly_store_visits", "avg_online_spend", "avg_store_spend", "discount_sensitivity", "return_frequency", "avg_delivery_days", "delivery_fee_sensitivity", "free_return_importance", "product_availability_online", "impulse_buying_score", "need_touch_feel_score", "brand_loyalty_score", "environmental_awareness", "time_pressure_level", "gender_Female", "gender_Male", "gender_Other", "city_tier_Tier 1", "city_tier_Tier 2", "city_tier_Tier 3" ]