Topic starter
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.
Editorial analysis by NHI Mgmt Group, 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:
- The IST study covered more than 3,300 respondents across 11 countries.
- 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.
Key questions
Q: How should organisations make digital identity controls understandable to consumers?
A: They should explain the purpose of verification, authentication, and step-up checks in plain language at the point of use.
Q: Why does consumer trust depend on security in digital services?
A: Because users increasingly judge the quality of a digital service by whether it protects their identity, data, and transactions.
Q: What do security teams get wrong about digital identity fraud controls?
A: They often treat spoofing defence as a complete solution and overlook the software path where fake media is inserted.
Practitioner guidance
- Strengthen user-facing assurance signals Show consumers why a step-up check, transaction verification, or authentication prompt is happening, and tie it to fraud and data-protection outcomes.
- Align IDV with journey design Make onboarding and transaction security understandable in plain language so users can recognise protection rather than interpret it as friction.
- Measure trust alongside control coverage Track whether stronger authentication and verification controls improve perceived safety, completion rates, and repeat use, not just policy compliance.
Bottom line: Consumers now treat security as a primary reason to choose one digital service over another, which raises the bar for identity and verification design.
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06/09/2026 6:21 pm
Security has become a trust-control, not just a fraud-control. The article shows consumers are no longer choosing digital services only on convenience. They are evaluating whether providers can make security credible at the point of decision, which turns identity assurance into a visible service attribute. For IDV and IAM teams, the implication is that trust must be designed into the journey, not explained after the fact.
A question worth separating out:
Q: What is the difference between digital convenience and digital trust?
A: Convenience is how easily a person can complete a task. Trust is whether they believe the service will protect them while they do it. A service can be fast and still lose users if its identity and security controls are confusing, inconsistent, or visibly weak.
👉 Read our full editorial: Consumers demand stronger digital security as trust becomes decisive