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06/09/2026 6:20 pm
TL;DR: Security has become the top decision factor, ahead of ease of use and cost, as fraud and data-theft concerns rise, according to Idemia’s Secure Transactions study based on 3,300+ respondents across 11 countries. The practical signal is that identity, transaction, and verification controls now shape customer trust as much as product experience does, even as 96% of consumers are frequent digital service users.
NHIMG editorial — based on content published by Idemia: Consumers Around the World Face an Important Gap Between Digital Adoption and Cybersecurity Awareness, Reveals IDEMIA Secure Transactions Study
By the numbers:
- 96% of global respondents consider themselves frequent users of digital services.
- 74% worry about fraud via digital tools, and 74% fear theft of personal data.
- 38% have already been victims of hacking or data theft globally.
Questions worth separating out
A: Design the journey so security is visible without becoming burdensome.
Q: Why do users accept digital services even when they do not fully understand the cyber risks?
A: Because convenience and necessity often outweigh abstract risk understanding.
Q: What are the signs that consumer security awareness is failing in practice?
A: Common signs include repeated recovery abuse, high abandonment at step-up prompts, inconsistent responses to fraud warnings, and support tickets that reveal users do not understand why a control exists.
Practitioner guidance
- Map trust-critical journeys Identify the onboarding, login, recovery, and payment steps where users decide whether a service feels safe.
- Reduce reliance on user judgement Replace security warnings that depend on user interpretation with controls that fail safely, such as step-up authentication, device binding, and transaction confirmation.
- Align fraud and identity telemetry Combine account risk signals, behavioural signals, and transaction context so identity verification and fraud detection can work from the same evidence set.
What's in the full report
Idemia's full press release covers the survey detail this post intentionally leaves for the source:
- Country-by-country findings across the 11 surveyed markets, including where consumer vulnerability perceptions are highest.
- The full breakdown of how digital payments users rank security-related features versus convenience and cost.
- Survey methodology notes from IPSOS BVA, including sample weighting and respondent scope.
- Additional commentary on quantum readiness and secure chip positioning in the broader digital trust narrative.
👉 Read Idemia's study on consumer trust, digital adoption, and cybersecurity awareness →
Digital security and consumer trust: what does this mean for IDV teams?
Explore further
06/09/2026 6:21 pm
Consumer trust is becoming an identity security control, not a marketing variable. When users decide whether a service feels safe enough to use, they are implicitly evaluating authentication strength, fraud detection, and recovery design. That makes identity assurance part of service reliability, not just security operations. For practitioners, the lesson is to measure trust as a control outcome.
A question worth separating out:
Q: How do identity verification and fraud prevention work together in digital services?
A: Identity verification establishes who is entering the service, while fraud prevention checks whether the session, device, or transaction looks legitimate. In mature programmes, both share telemetry and escalation paths so suspicious behaviour can be challenged before an account takeover or payment loss is completed.
👉 Read our full editorial: Consumers demand stronger digital security as trust becomes decisive
