Consumer Survey on Credit Card

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					                                                                              SPVA - Payment security resea
                                                                              TOTAL
                                                                                      %
3. Thinking about an average purchase, which of these           0                          5%
common payment methods do you prefer using? Please rank         Rank 1                    38%
where 1 is most preferred and 4 is least preferred Q3_1 Debit   Rank 2                    25%
cards, i.e. Maestro                                             Rank 3                    14%
                                                                Rank 4                    17%
Q3_2 Credit cards, i.e. Visa                                    0                          5%
                                                                Rank 1                    32%
                                                                Rank 2                    15%
                                                                Rank 3                    21%
                                                                Rank 4                    27%
Q3_3 Cash                                                       0                          5%
                                                                Rank 1                    21%
                                                                Rank 2                    39%
                                                                Rank 3                    22%
                                                                Rank 4                    13%
Q3_4 Online payment system (PayPal etc.)                        0                          5%
                                                                Rank 1                     3%
                                                                Rank 2                    17%
                                                                Rank 3                    37%
                                                                Rank 4                    38%
4. And which are you most likely to use for the following       Debit card                52%
purchases? Q4_1 Groceries / household goods (excludes           Credit card               23%
mortgages/rent, and utility bills)                              Cash                      23%
                                                                DK/NS                      1%
Q4_2 Clothing                                                   Debit card                48%
                                                                Credit card               39%
                                                                Cash                      11%
                                                                DK/NS                      1%
Q4_3 Books                                                      Debit card                41%
                                                                Credit card               29%
                                                                Cash                      23%
                                                                DK/NS                      7%
Q4_4 Music / tickets / entertainment                            Debit card                43%
                                                                Credit card               38%
                                                                Cash                      13%
                                                                DK/NS                      7%
Q4_5 Electrical goods                                           Debit card                41%
                                                                Credit card               45%
                                                                Cash                       9%
                                                                DK/NS                      5%
Q4_6 Travel / hotels / car hire                                 Debit card                36%
                                                                Credit card               53%
                                                                Cash                       5%
                                                                DK/NS                      6%
Q4_7 Restaurants / takeaways                                    Debit card                39%
                                                                Credit card               28%
                                                                Cash                      31%
                                                                DK/NS                      2%
Q4_8 Petrol / gas                                               Debit card                44%
                                                                Credit card               32%
Q4_8 Petrol / gas

                                                                     Cash                     18%
                                                                     DK/NS                     5%
Q5 How many debit / credit cards do you carry in your wallet on an   None, I have no cards
                                                                                              1%
average day?
                                                                     1 card                   43%
                                                                     2 cards                  30%
                                                                     3 cards                  15%
                                                                     4 cards                   7%
                                                                     5 or more cards           5%
Q6 How often when using your card as a payment method do you         Average
use a device that asks you to enter a PIN? Please select this as a
percentage of overall use.                                                                    74%
Q7 When making a purchase IN-STORE, please tell us how often          Always                  28%
you think about card security – i.e. the number of occasions that you Often                   22%
consider security issues when using your card.                        Sometimes               23%
                                                                      Rarely                  20%
                                                                      Never                    6%
                                                                      DK / NS                  1%
                                                                      I only pay for goods
                                                                                              0%
                                                                      using cash
Q8 When making a purchase ONLINE, please tell us how often you Always                         41%
think about card security – i.e. the number of occasions that you     Often                   24%
consider security issues when using your card.                        Sometimes               21%
                                                                      Rarely                   8%
                                                                      Never                    3%
                                                                      DK / NS                  0%
                                                                      I dont purchase goods
                                                                                              2%
                                                                      online
9. What does being ‘security conscious’ with your cards mean not quoted
to you when making a PIN or signature-based purchase with                                     53%
your credit or debit card(s)? Q9_1 I cover my PIN / signature
when making a purchase                                                quoted
                                                                                              47%
Q9_2 I check that no one is standing too close to me when I enter     not quoted              30%
my PIN / sign my name                                                 quoted                  70%
Q9_3 I have different PIN numbers for each of my debit / credit       not quoted              75%
cards                                                                 quoted                  25%
Q9_4 Using alternative means of payment (cash / cheque, banker’s not quoted
                                                                                              83%
drafts, telephone banking) whenever I can to avoid the risk of having
my card details stolen                                                quoted                  17%
Q9_5 I trust the security processes behind card transactions          not quoted              73%
                                                                      quoted                  27%
Q9_6 None of these                                                    not quoted              95%
                                                                      quoted                   5%
10. And how often do you carry out these security conscious           Always                  54%
measures when using your cards? Q10_1 Guarding my PIN                 Often                   24%
number / signature                                                    Sometimes               12%
                                                                      Rarely                   5%
                                                                      Never                    4%
                                                                      DK/NS                    1%
Q10_2 Checking that no one is standing too close to me when I         Always                  57%
enter my details                                                      Often                   28%
                                                                      Sometimes               10%
                                                                      Rarely                   3%
                                                                      Never                    2%
                                                                      DK/NS                    1%
Q10_3 I have different PIN numbers for each of my debit / credit     Always                 34%
cards                                                                Often                  10%
                                                                     Sometimes               9%
                                                                     Rarely                  7%
                                                                     Never                  27%
                                                                     DK/NS                  13%
Q10_4 Using alternative means of payment (cash / cheque,             Always                 14%
banker’s drafts, telephone banking) whenever I can to avoid the risk Often                  18%
of having my card details stolen                                     Sometimes              34%
                                                                     Rarely                 19%
                                                                     Never                  11%
                                                                     DK/NS                   4%
11. Against the following examples, can you please state             Increases              12%
whether your sensitivity to potential security threats increases, Stays the same            73%
decreases, or stays the same Q11_1 If I have used my card in the Decreases                  13%
store before                                                         DK/NS                   2%
Q11_2 If I trust the store's name / brand                            Increases               9%
                                                                     Stays the same         71%
                                                                     Decreases              17%
                                                                     DK/NS                   2%
Q11_3 If I am paying for an expensive item                           Increases              29%
                                                                     Stays the same         64%
                                                                     Decreases               4%
                                                                     DK/NS                   3%
Q11_4 When I'm abroad                                                Increases              57%
                                                                     Stays the same         25%
                                                                     Decreases               7%
                                                                     DK/NS                  11%
Q11_5 Whether I'm using my work charge-card                          Increases              10%
                                                                     Stays the same         44%
                                                                     Decreases               6%
                                                                     DK/NS                  40%
Q11_6 Whether there is a technical fault or slowdown in the          Increases              50%
transaction confirmation                                             Stays the same         37%
                                                                     Decreases               6%
                                                                     DK/NS                   7%
Q12 Have you been a victim of card fraud in the last 2 years?        Yes - once             13%
                                                                     Yes more than once      3%
                                                                     No - never             84%
Q13a Do you know where your credit / debit card information was      Supermarket             4%
stolen from?                                                         Utility company         1%
                                                                     Retailer                7%
                                                                     Hotel                   1%
                                                                     Restaurant              8%
                                                                     Petrol / gas station    6%
                                                                     Internet related
                                                                                            43%
                                                                     transaction
                                                                     Other [please state]   30%
Q13b_1 Supermarket                                                   not quoted             81%
                                                                     quoted                 19%
Q13b_2 Utility company                                               not quoted             81%
                                                                     quoted                 19%
Q13b_3 Retailer                                                      not quoted             75%
                                                                     quoted                 25%
Q13b_4 Hotel                                                         not quoted             78%
Q13b_4 Hotel
                                                                    quoted                     22%
Q13b_5 Restaurant                                                   not quoted                 84%
                                                                    quoted                     16%
Q13b_6 Petrol / gas station                                         not quoted                 84%
                                                                    quoted                     16%
Q13b_7 Internet related transaction                                 not quoted                 53%
                                                                    quoted                     47%
Q13b_8 Other [please state]                                         not quoted                 81%
                                                                    quoted                     19%
Q14 Have you ever lost your debit or credit card?                   Yes 1 to 3 times           29%
                                                                    Yes more than 3 times
                                                                                                3%
                                                                    No                         68%
15. Which of the following would cause you to feel particularly     not quoted
worried about using your card and PIN to purchase an item?                                     55%
Q15_1 Look and feel of payment terminal                             quoted                     45%
Q15_2 Ambience of the shop                                          not quoted                 67%
                                                                    quoted                     33%
Q15_3 Time taken for transaction                                    not quoted                 51%
                                                                    quoted                     49%
Q15_4 Conduct of the shop assistant                                 not quoted                 45%
                                                                    quoted                     55%
Q15_5 Wider security in the shop (e.g. presence of CCTV, security   not quoted                 81%
guards etc)                                                         quoted                     19%
Q15_6 Cost of purchase, i.e. an expensive item                      not quoted                 72%
                                                                    quoted                     28%
Q15_7 If the outlet has suffered a data breach                      not quoted                 38%
                                                                    quoted                     62%
Q15_8 None of these                                                 not quoted                 90%
                                                                    quoted                     10%
Q16 What is the average amount you spend each week using your
debit / credit card?                                                                        £139.96
17. Please can you rank the following payment methods in            Rank 1                     16%
terms of security threat (likelihood of fraud / theft by paying for Rank 2                     31%
goods and services in this way? Q17_1 Debit cards                   Rank 3                     31%
                                                                    Rank 4                     17%
                                                                    Rank 5                      5%
Q17_2 Credit cards                                                  Rank 1                     36%
                                                                    Rank 2                     29%
                                                                    Rank 3                     17%
                                                                    Rank 4                     11%
                                                                    Rank 5                      7%
Q17_3 Cash                                                          Rank 1                     11%
                                                                    Rank 2                      7%
                                                                    Rank 3                      5%
                                                                    Rank 4                      9%
                                                                    Rank 5                     68%
Q17_4 Pre-paid debit / credit card                                  Rank 1                      9%
                                                                    Rank 2                     22%
                                                                    Rank 3                     26%
                                                                    Rank 4                     35%
                                                                    Rank 5                      8%
Q17_5 Online payment system (PayPal etc)                            Rank 1                     28%
                                                                    Rank 2                     12%
                                                                    Rank 3                     20%
Q17_5 Online payment system (PayPal etc)



                                                               Rank 4                        28%
                                                               Rank 5                        13%
Q18 Do you think companies who suffer a data breach should be  Yes                           84%
required to make the incident public?                          No                             6%
                                                               DK/NS                         10%
19. Please rank in order who you trust more with your data     Rank 1                        49%
when making a purchase, where 1 is most trusted and 6 is least Rank 2                        30%
trusted? Q19_1 Supermarket                                     Rank 3                        10%
                                                               Rank 4                         4%
                                                               Rank 5                         4%
                                                               Rank 6                         2%
Q19_2 Utility company                                          Rank 1                        36%
                                                               Rank 2                        26%
                                                               Rank 3                        15%
                                                               Rank 4                         8%
                                                               Rank 5                         7%
                                                               Rank 6                         7%
Q19_3 Retailer                                                 Rank 1                         4%
                                                               Rank 2                        19%
                                                               Rank 3                        29%
                                                               Rank 4                        20%
                                                               Rank 5                        15%
                                                               Rank 6                        14%
Q19_4 Hotel                                                    Rank 1                         4%
                                                               Rank 2                        11%
                                                               Rank 3                        20%
                                                               Rank 4                        29%
                                                               Rank 5                        26%
                                                               Rank 6                        10%
Q19_5 Restaurant                                               Rank 1                         3%
                                                               Rank 2                         7%
                                                               Rank 3                        13%
                                                               Rank 4                        22%
                                                               Rank 5                        31%
                                                               Rank 6                        24%
Q19_6 Petrol / gas station                                     Rank 1                         4%
                                                               Rank 2                         8%
                                                               Rank 3                        12%
                                                               Rank 4                        17%
                                                               Rank 5                        17%
                                                               Rank 6                        43%
Q20 How often do you think about the security technology and   I think about it every
systems behind your card transactions?                         time I make a                 33%
                                                               transaction
                                                               I think about it when
                                                               stories on payment            27%
                                                               security have been
                                                               I think about it when
                                                               changing my details on        9%
                                                               my existing pay
                                                               I think about it when I
                                                               dont feel safe in a shop      16%

                                                                  I dont think about it at
                                                                  all                        15%

Q21 In your opinion, are card vendors and retailers doing enough to Yes                      31%
protect your data?                                                  No                       41%
                                                                    DK/NS                    28%
22. What areas of the world would you say are more likely to  not quoted
experience high rates of card and payment fraud from the ones              45%
listed below? Q22_1 United States                             quoted       55%
Q22_2 Japan                                                   not quoted   82%
                                                              quoted       18%
Q22_3 Germany                                                 not quoted   91%
                                                              quoted        9%
Q22_4 China (PRC)                                             not quoted   64%
                                                              quoted       36%
Q22_5 United Kingdom                                          not quoted   75%
                                                              quoted       25%
Q22_6 France                                                  not quoted   84%
                                                              quoted       16%
Q22_7 Italy                                                   not quoted   81%
                                                              quoted       19%
Q22_8 Spain                                                   not quoted   80%
                                                              quoted       20%
Q22_9 Canada                                                  not quoted   92%
                                                              quoted        8%
Q22_10 Brazil                                                 not quoted   69%
                                                              quoted       31%
Q22_11 Russia                                                 not quoted   60%
                                                              quoted       40%
Q22_12 India                                                  not quoted   68%
                                                              quoted       32%
Q22_13 Mexico                                                 not quoted   62%
                                                              quoted       38%
Q22_14 South Korea                                            not quoted   78%
                                                              quoted       22%
Q22_15 Australia                                              not quoted   93%
                                                              quoted        7%
Q22_16 Netherlands                                            not quoted   93%
                                                              quoted        7%
Q22_17 Turkey                                                 not quoted   71%
                                                              quoted       29%
Q22_18 Sweden                                                 not quoted   95%
                                                              quoted        5%
Q22_19 Belgium                                                not quoted   94%
                                                              quoted        6%
Q22_20 Indonesia                                              not quoted   69%
                                                              quoted       31%
Q22_21 None of these                                          not quoted   89%
                                                              quoted       11%
SPVA - Payment security research (Total)
                     GENDER                                                            AGE
          Male          Female             18-24             25-34             35-44
                 %               %                 %                 %                 %
                      4%              6%                1%                5%                  3%
                     38%             39%               37%               38%                 43%
                     22%             29%               29%               23%                 26%
                     17%             12%               18%               14%                 11%
                     19%             16%               14%               19%                 17%
                      4%              6%                1%                5%                  3%
                     34%             31%               29%               36%                 29%
                     16%             13%               14%               16%                 15%
                     19%             23%               15%               20%                 25%
                     27%             28%               41%               23%                 27%
                      4%              6%                1%                5%                  3%
                     21%             21%               28%               19%                 23%
                     40%             37%               33%               38%                 45%
                     21%             23%               22%               23%                 20%
                     13%             13%               16%               15%                 10%
                      4%              6%                1%                5%                  3%
                      3%              4%                5%                2%                  2%
                     18%             16%               22%               17%                 11%
                     38%             37%               44%               37%                 40%
                     37%             38%               28%               38%                 43%
                     51%             53%               48%               52%                 55%
                     23%             23%               20%               23%                 22%
                     25%             22%               31%               22%                 23%
                      1%              2%                1%                4%                  0%
                     48%             48%               48%               46%                 50%
                     40%             38%               37%               41%                 38%
                     11%             13%               15%               12%                 10%
                      1%              1%                1%                2%                  1%
                     39%             43%               39%               42%                 43%
                     31%             28%               25%               30%                 25%
                     24%             21%               28%               19%                 27%
                      6%              8%                9%                9%                  5%
                     41%             44%               49%               38%                 47%
                     38%             38%               27%               44%                 37%
                     16%             11%               16%               13%                 11%
                      5%              8%                8%                5%                  5%
                     43%             40%               48%               44%                 41%
                     45%             45%               37%               42%                 48%
                      8%              9%               11%                7%                  8%
                      4%              6%                3%                7%                  4%
                     36%             37%               45%               34%                 36%
                     53%             53%               43%               56%                 54%
                      5%              5%                6%                5%                  6%
                      6%              6%                7%                5%                  4%
                     38%             41%               37%               41%                 39%
                     30%             25%               28%               28%                 25%
                     30%             33%               33%               30%                 36%
                      2%              2%                1%                2%                  1%
                     41%             48%               38%               46%                 44%
                     33%             30%               31%               32%                 31%
21%   16%   25%   16%   20%
 5%    6%    6%    7%    4%

 1%    1%    2%    0%    1%
42%   44%   54%   43%   39%
30%   30%   31%   30%   32%
14%   15%    7%   18%   14%
 8%    6%    3%    5%   10%
 5%    4%    4%    4%    5%



73%   74%   72%   72%   72%
28%   27%   21%   23%   29%
24%   20%   19%   24%   23%
20%   26%   24%   22%   25%
20%   21%   28%   23%   16%
 7%    5%    8%    7%    6%
 1%    1%    0%    1%    1%

 0%    0%    0%    0%    0%
42%   41%   36%   40%   43%
25%   24%   28%   28%   22%
17%   24%   26%   19%   23%
10%    7%    8%    8%    9%
 3%    2%    2%    4%    2%
 1%    0%    0%    0%    0%

 2%    2%    1%    1%    1%


53%   54%   52%   55%   51%

47%   46%   48%   45%   49%
28%   33%   39%   34%   29%
72%   67%   61%   66%   71%
75%   74%   86%   76%   72%
25%   26%   14%   24%   29%

85%   81%   86%   84%   84%
15%   19%   14%   16%   16%
72%   75%   69%   79%   76%
28%   25%   31%   21%   24%
96%   94%   94%   95%   95%
 4%    7%    7%    5%    5%
56%   52%   41%   49%   62%
24%   24%   27%   26%   19%
11%   13%   19%   15%    9%
 5%    5%   10%    3%    3%
 4%    4%    4%    5%    5%
 1%    1%    0%    3%    1%
56%   58%   48%   51%   59%
28%   27%   32%   30%   27%
10%    9%    9%   14%    8%
 3%    3%    8%    2%    3%
 2%    3%    2%    3%    4%
 1%    0%    1%    1%    0%
33%   36%    27%    32%   39%
10%   11%     8%    14%   15%
 9%    9%    11%     8%    9%
 7%    7%     6%     8%    5%
29%   25%    34%    23%   23%
12%   14%    15%    15%   10%
15%   14%    13%    17%   17%
18%   17%    21%    21%   18%
34%   34%    35%    29%   34%
17%   20%    17%    19%   17%
11%   11%    12%     8%   12%
 5%    3%     3%     7%    2%
14%   11%    19%    15%   10%
72%   74%    62%    71%   77%
12%   13%    18%    13%   10%
 2%    2%     1%     2%    2%
 9%    9%    14%    12%    6%
73%   70%    60%    67%   75%
16%   19%    26%    19%   17%
 2%    2%     1%     2%    2%
30%   29%    32%    29%   30%
63%   66%    59%    65%   65%
 4%    3%     7%     4%    3%
 3%    3%     3%     1%    3%
57%   59%    64%    56%   61%
27%   23%    22%    30%   23%
 8%    5%     9%     5%    6%
 9%   14%     5%     8%   11%
10%   11%    14%    14%   10%
48%   39%    43%    48%   48%
 7%    6%    10%     7%    5%
35%   45%    33%    31%   37%
46%   55%    53%    48%   48%
42%   32%    36%    40%   41%
 7%    5%     7%     7%    6%
 6%    7%     4%     5%    5%
14%   12%    10%    15%   12%
 4%    2%     1%     5%    4%
82%   86%    90%    81%   84%
 5%    3%     7%    6%     7%
 1%    2%     0%    3%     3%
11%    2%     7%    3%     0%
 1%    0%     0%    0%     3%
 8%    8%    13%    6%     3%
 8%    3%     7%    9%     7%

38%   49%    40%    46%   48%
27%   33%    27%    27%   28%
81%   82%    100%   64%   100%
19%   18%      0%   36%     0%
71%   100%   100%   64%   91%
29%     0%     0%   36%    9%
71%   82%      0%   82%   73%
29%   18%    100%   18%   27%
71%   91%    100%   55%   91%
          29%             9%              0%              46%             9%
          76%         100%            100%                82%             82%
          24%           0%              0%                18%             18%
          81%             91%         100%                91%             73%
          19%              9%           0%                 9%             27%
          52%             55%         100%                64%             46%
          48%             46%           0%                36%             55%
          81%             82%         100%                91%             73%
          19%             18%           0%                 9%             27%
          29%             29%             30%             34%             32%

           4%              2%              1%              6%              2%
          67%             68%             69%             61%             66%


          54%             56%             58%             58%             53%
          46%             44%             43%             42%             47%
          66%             69%             65%             69%             63%
          34%             31%             35%             31%             37%
          57%             46%             54%             56%             53%
          44%             54%             46%             44%             47%
          47%             44%             55%             51%             43%
          53%             56%             45%             49%             57%
          82%             80%             79%             79%             80%
          19%             20%             21%             21%             20%
          75%             70%             71%             73%             68%
          25%             30%             29%             27%             32%
          45%             32%             35%             42%             37%
          56%             68%             65%             58%             63%
          90%             90%             93%             89%             92%
          10%             10%              7%             11%              8%

£154.48         £125.23         £101.17         £137.00         £139.28
          16%             15%             17%             19%             15%
          31%             31%             24%             29%             35%
          29%             33%             33%             30%             29%
          18%             16%             20%             16%             17%
           6%              4%              6%              5%              4%
          35%             37%             33%             32%             39%
          29%             29%             35%             29%             27%
          17%             18%             20%             19%             15%
          12%             11%              9%             13%             12%
           7%              6%              3%              8%              8%
          13%              9%              9%             12%             10%
           6%              7%              7%              8%              8%
           6%              5%              6%              6%              4%
           7%             11%             10%             11%              6%
          67%             68%             69%             63%             72%
           9%             10%              9%              7%              8%
          23%             21%             22%             21%             19%
          25%             28%             26%             25%             29%
          37%             33%             33%             38%             36%
           7%              9%             10%             10%              8%
          27%             29%             33%             30%             27%
          11%             12%             12%             14%             13%
          23%             17%             15%             20%             24%
26%   30%   28%   23%   28%
14%   12%   12%   14%    8%
84%   85%   78%   79%   89%
 7%    5%    9%   10%    3%
10%   10%   12%   11%    8%
49%   50%   51%   52%   49%
30%   30%   22%   26%   30%
10%   11%   14%   11%   10%
 5%    4%    3%    4%    6%
 4%    4%    5%    4%    5%
 2%    2%    6%    3%    1%
36%   36%   25%   31%   39%
27%   24%   21%   26%   27%
15%   16%   15%   16%   17%
 7%   10%   14%    9%    7%
 7%    8%   13%    8%    4%
 8%    7%   12%   10%    6%
 4%    4%    6%    4%    4%
19%   18%   24%   20%   18%
28%   29%   16%   21%   35%
19%   20%   22%   22%   15%
17%   14%   17%   15%   15%
13%   14%   15%   19%   12%
 4%    4%    8%    6%    3%
11%   11%   14%    9%   13%
23%   18%   19%   23%   18%
31%   27%   24%   31%   33%
23%   28%   27%   22%   24%
 8%   12%    9%    9%    9%
 3%    3%    5%    3%    2%
 6%    8%   11%   11%    6%
13%   14%   25%   18%   11%
21%   23%   24%   21%   21%
33%   29%   22%   30%   35%
25%   24%   14%   18%   26%
 4%    3%    5%    3%    2%
 7%   10%    9%    8%    6%
12%   12%   11%   12%   10%
17%   16%   13%   14%   19%
16%   17%   17%   22%   16%
44%   41%   44%   42%   46%


34%   31%   23%   32%   34%


25%   29%   34%   26%   28%


9%    9%    7%    11%   9%


15%   18%   17%   18%   16%

17%   13%   19%   14%   14%
37%   26%   43%   36%   31%
41%   40%   28%   34%   47%
22%   34%   29%   30%   23%
46%   44%   37%   49%   41%
54%   56%   63%   52%   59%
82%   81%   77%   87%   85%
18%   19%   24%   13%   15%
92%   89%   92%   91%   94%
 8%   11%    8%    9%    6%
61%   67%   75%   70%   64%
39%   33%   25%   30%   36%
76%   74%   75%   77%   75%
24%   26%   25%   23%   25%
86%   81%   82%   86%   86%
14%   19%   18%   15%   14%
78%   83%   85%   87%   82%
22%   17%   15%   13%   19%
80%   81%   86%   86%   79%
20%   19%   14%   14%   21%
93%   91%   93%   93%   92%
 7%   10%    7%    8%    8%
66%   72%   76%   76%   66%
34%   29%   24%   24%   34%
51%   69%   80%   66%   55%
49%   31%   20%   34%   45%
66%   69%   81%   75%   66%
34%   31%   19%   25%   34%
62%   62%   70%   69%   61%
39%   38%   30%   31%   39%
79%   77%   86%   82%   76%
21%   23%   14%   18%   24%
95%   92%   92%   97%   95%
 5%    8%    8%    4%    5%
95%   92%   95%   97%   96%
 5%    8%    5%    4%    4%
69%   74%   82%   79%   70%
31%   26%   18%   21%   31%
96%   95%   96%   97%   97%
 4%    6%    4%    3%    3%
95%   92%   96%   95%   95%
 5%    8%    4%    5%    5%
66%   73%   84%   79%   67%
34%   27%   16%   21%   33%
93%   85%   90%   88%   91%
 7%   15%   11%   12%    9%
AGE
      45-54             55+
              %               %
                   5%             10%
                  38%             32%
                  24%             24%
                  16%             15%
                  16%             20%
                   5%             10%
                  29%             38%
                  14%             13%
                  24%             17%
                  28%             22%
                   5%             10%
                  22%             16%
                  37%             38%
                  23%             24%
                  13%             12%
                   5%             10%
                   5%              4%
                  20%             15%
                  32%             34%
                  38%             37%
                  56%             49%
                  22%             30%
                  21%             21%
                   1%              1%
                  48%             48%
                  35%             46%
                  16%              5%
                   1%              1%
                  44%             36%
                  30%             35%
                  20%             21%
                   6%              8%
                  42%             37%
                  39%             40%
                  13%             13%
                   6%             10%
                  40%             35%
                  46%             50%
                  10%              9%
                   4%              6%
                  37%             32%
                  52%             57%
                   4%              3%
                   7%              8%
                  40%             38%
                  26%             33%
                  31%             25%
                   3%              3%
                  46%             46%
                  28%             37%
21%   12%
 5%    5%

 1%    1%
45%   36%
28%   31%
13%   20%
10%    5%
 3%    7%


76%   75%
32%   33%
22%   22%
22%   21%
19%   18%
 5%    5%
 1%    1%

 0%    0%
45%   42%
24%   21%
18%   18%
 8%   10%
 2%    3%
 1%    1%

 3%    6%


55%   54%

45%   46%
28%   22%
72%   78%
74%   70%
27%   31%

78%   85%
22%   15%
71%   70%
29%   31%
96%   95%
 4%    5%
57%   58%
23%   26%
12%    7%
 5%    6%
 2%    2%
 0%    2%
60%   65%
25%   25%
 9%    7%
 4%    1%
 2%    1%
 0%    1%
32%   41%
 7%    6%
11%    6%
 9%    7%
28%   30%
13%   11%
15%    9%
16%   11%
36%   38%
20%   21%
10%   14%
 4%    7%
11%    8%
77%   76%
10%   14%
 2%    3%
 8%    7%
77%   75%
13%   16%
 2%    2%
29%   26%
67%   65%
 1%    5%
 3%    4%
55%   53%
24%   24%
 6%    8%
16%   15%
10%    6%
45%   33%
 5%    4%
41%   57%
53%   52%
37%   30%
 5%    5%
 5%   13%
16%   13%
 3%    2%
82%   85%
 0%    4%
 0%    0%
12%   12%
 0%    0%
15%    4%
 0%    8%

27%   56%
46%   16%
67%   100%
33%     0%
83%   100%
17%     0%
67%   100%
33%     0%
83%   100%
          17%             0%
          83%         100%
          17%           0%
          83%         100%
          17%           0%
          67%           0%
          33%         100%
          67%         100%
          33%           0%
          28%             22%

           2%              3%
          70%             76%


          53%             55%
          47%             45%
          70%             72%
          30%             28%
          46%             48%
          54%             52%
          37%             43%
          63%             57%
          81%             84%
          19%             16%
          74%             76%
          26%             24%
          37%             38%
          63%             62%
          91%             86%
          10%             14%

£165.20         £147.58
          14%             15%
          34%             32%
          30%             33%
          17%             16%
           5%              5%
          39%             35%
          27%             28%
          17%             18%
          10%             13%
           8%              6%
          11%             13%
           7%              4%
           6%              6%
           9%             10%
          67%             67%
          13%             11%
          23%             27%
          27%             23%
          35%             31%
           3%              9%
          23%             27%
          10%              9%
          20%             20%
29%   31%
18%   14%
87%   86%
 5%    3%
 8%   12%
47%   47%
37%   35%
 9%    9%
 3%    5%
 2%    3%
 2%    0%
40%   43%
28%   24%
14%   15%
 8%    6%
 8%    5%
 3%    6%
 4%    2%
17%   15%
36%   33%
21%   20%
13%   17%
 9%   13%
 3%    2%
 7%   11%
20%   21%
29%   26%
28%   30%
13%   11%
 1%    2%
 3%    6%
 9%    8%
22%   21%
34%   32%
31%   31%
 5%    3%
10%    8%
13%   14%
16%   22%
15%   13%
41%   40%


36%   35%


28%   22%


9%    8%


16%   16%

11%   18%
26%   22%
48%   43%
26%   35%
45%   53%
55%   47%
79%   77%
21%   23%
87%   90%
13%   10%
57%   55%
43%   45%
70%   79%
30%   21%
80%   85%
20%   15%
78%   73%
22%   27%
79%   73%
21%   27%
89%   91%
11%    9%
62%   66%
38%   34%
53%   52%
47%   48%
60%   60%
40%   41%
55%   56%
46%   44%
74%   74%
26%   26%
89%   94%
11%    6%
88%   91%
12%   10%
65%   62%
35%   38%
92%   94%
 8%    6%
92%   92%
 9%    8%
61%   57%
39%   43%
90%   87%
10%   13%
                                                                SPVA - Payment security research (UK)


                                                                                 TOTAL
                                                                                  %
3. Thinking about an average purchase, which of these           0                         2%
common payment methods do you prefer using? Please rank         Rank 1                   52%
where 1 is most preferred and 4 is least preferred Q3_1 Debit   Rank 2                   32%
cards, i.e. Maestro                                             Rank 3                    9%
                                                                Rank 4                    4%
Q3_2 Credit cards, i.e. Visa                                    0                         2%
                                                                Rank 1                   19%
                                                                Rank 2                   12%
                                                                Rank 3                   26%
                                                                Rank 4                   41%
Q3_3 Cash                                                       0                         2%
                                                                Rank 1                   24%
                                                                Rank 2                   42%
                                                                Rank 3                   23%
                                                                Rank 4                    9%
Q3_4 Online payment system (PayPal etc.)                        0                         2%
                                                                Rank 1                    2%
                                                                Rank 2                   12%
                                                                Rank 3                   40%
                                                                Rank 4                   43%
4. And which are you most likely to use for the following       Debit card               60%
purchases? Q4_1 Groceries / household goods (excludes           Credit card              16%
mortgages/rent, and utility bills)                              Cash                     23%
                                                                DK/NS                     0%
Q4_2 Clothing                                                   Debit card               57%
                                                                Credit card              28%
                                                                Cash                     15%
                                                                DK/NS                     1%
Q4_3 Books                                                      Debit card               47%
                                                                Credit card              23%
                                                                Cash                     22%
                                                                DK/NS                     8%
Q4_4 Music / tickets / entertainment                            Debit card               50%
                                                                Credit card              32%
                                                                Cash                     10%
                                                                DK/NS                     8%
Q4_5 Electrical goods                                           Debit card               47%
                                                                Credit card              42%
                                                                Cash                      8%
                                                                DK/NS                     2%
Q4_6 Travel / hotels / car hire                                 Debit card               43%
                                                                Credit card              44%
                                                                Cash                      5%
                                                                DK/NS                     8%
Q4_7 Restaurants / takeaways                                    Debit card               38%
                                                                Credit card              18%
                                                                Cash                     42%
                                                                DK/NS                     3%
Q4_8 Petrol / gas                                               Debit card               47%
Q4_8 Petrol / gas
                                                                      Credit card            21%
                                                                      Cash                   24%
                                                                      DK/NS                   8%
Q5 How many debit / credit cards do you carry in your wallet on an    None, I have no
                                                                                             0%
average day?                                                          cards
                                                                      1 card                 30%
                                                                      2 cards                34%
                                                                      3 cards                20%
                                                                      4 cards                11%
                                                                      5 or more cards         4%
Q6 How often when using your card as a payment method do you          Average
use a device that asks you to enter a PIN? Please select this as a
percentage of overall use.                                                                   84%
Q7 When making a purchase IN-STORE, please tell us how often          Always                 33%
you think about card security – i.e. the number of occasions that you Often                  26%
consider security issues when using your card.                        Sometimes              22%
                                                                      Rarely                 15%
                                                                      Never                   4%
                                                                      DK / NS                 0%
                                                                      I only pay for goods
                                                                                             0%
                                                                      using cash
Q8 When making a purchase ONLINE, please tell us how often you Always                        42%
think about card security – i.e. the number of occasions that you     Often                  24%
consider security issues when using your card.                        Sometimes              22%
                                                                      Rarely                  8%
                                                                      Never                   3%
                                                                      DK / NS                 0%
                                                                      I dont purchase
                                                                                             1%
                                                                      goods online
9. What does being ‘security conscious’ with your cards mean not quoted                      35%
to you when making a PIN or signature-based purchase with             quoted                 65%
Q9_2 I check that no one is standing cover my PIN signature
your credit or debit card(s)? Q9_1 Itoo close to me/ when I enter     not quoted             23%
my PIN / sign my name                                                 quoted                 77%
Q9_3 I have different PIN numbers for each of my debit / credit       not quoted             59%
cards                                                                 quoted                 41%
Q9_4 Using alternative means of payment (cash / cheque, banker’s not quoted                  85%
drafts, telephone banking) whenever I can to avoid the risk of having quoted                 15%
my card details stolen processes behind card transactions
Q9_5 I trust the security                                             not quoted             71%
                                                                      quoted                 29%
Q9_6 None of these                                                    not quoted             98%
                                                                      quoted                  2%
10. And how often do you carry out these security conscious           Always                 62%
measures when using your cards? Q10_1 Guarding my PIN                 Often                  22%
number / signature                                                    Sometimes              11%
                                                                      Rarely                  3%
                                                                      Never                   2%
                                                                      DK/NS                   0%
Q10_2 Checking that no one is standing too close to me when I         Always                 63%
enter my details                                                      Often                  27%
                                                                      Sometimes               7%
                                                                      Rarely                  3%
                                                                      Never                   1%
                                                                      DK/NS                   0%
Q10_3 I have different PIN numbers for each of my debit / credit      Always                 49%
cards                                                                 Often                   9%
                                                                      Sometimes              11%
Q10_3 I have different PIN numbers for each of my debit / credit
cards

                                                                     Rarely                5%
                                                                     Never                20%
                                                                     DK/NS                 7%
Q10_4 Using alternative means of payment (cash / cheque,             Always               13%
banker’s drafts, telephone banking) whenever I can to avoid the risk Often                17%
of having my card details stolen                                     Sometimes            37%
                                                                     Rarely               21%
                                                                     Never                 9%
                                                                     DK/NS                 4%
11. Against the following examples, can you please state             Increases            13%
whether your sensitivity to potential security threats increases, Stays the same          72%
decreases, or stays the same Q11_1 If I have used my card in the Decreases                13%
store before                                                         DK/NS                 2%
Q11_2 If I trust the store's name / brand                            Increases            11%
                                                                     Stays the same       69%
                                                                     Decreases            18%
                                                                     DK/NS                 2%
Q11_3 If I am paying for an expensive item                           Increases            33%
                                                                     Stays the same       62%
                                                                     Decreases             3%
                                                                     DK/NS                 1%
Q11_4 When I'm abroad                                                Increases            61%
                                                                     Stays the same       22%
                                                                     Decreases             7%
                                                                     DK/NS                10%
Q11_5 Whether I'm using my work charge-card                          Increases             9%
                                                                     Stays the same       39%
                                                                     Decreases             5%
                                                                     DK/NS                47%
Q11_6 Whether there is a technical fault or slowdown in the          Increases            54%
transaction confirmation                                             Stays the same       35%
                                                                     Decreases             5%
                                                                     DK/NS                 6%
Q12 Have you been a victim of card fraud in the last 2 years?        Yes - once           15%
                                                                     Yes more than once
                                                                                          3%
                                                                   No - never             82%
Q13a Do you know where your credit / debit card information was    Supermarket             3%
stolen from?                                                       Utility company         2%
                                                                   Retailer                7%
                                                                   Hotel                   0%
                                                                   Restaurant              3%
                                                                   Petrol / gas station    7%
                                                                   Internet related
                                                                                          36%
                                                                   transaction
                                                                   Other [please state]   43%
Q13b_1 Supermarket                                                 not quoted             91%
                                                                   quoted                  9%
Q13b_2 Utility company                                             not quoted             73%
                                                                   quoted                 27%
Q13b_3 Retailer                                                    not quoted             73%
                                                                   quoted                 27%
Q13b_4 Hotel                                                       not quoted             82%
                                                                   quoted                 18%
Q13b_5 Restaurant                                                  not quoted             82%
Q13b_5 Restaurant
                                                                    quoted                18%
Q13b_6 Petrol / gas station                                         not quoted            73%
                                                                    quoted                27%
Q13b_7 Internet related transaction                                 not quoted            55%
                                                                    quoted                45%
Q13b_8 Other [please state]                                         not quoted            73%
                                                                    quoted                27%
Q14 Have you ever lost your debit or credit card?                   Yes 1 to 3 times      33%
                                                                    Yes more than 3
                                                                                           4%
                                                                    times
                                                                    No                    63%
15. Which of the following would cause you to feel particularly     not quoted
worried about using your card and PIN to purchase an item?                                40%
Q15_1 Look and feel of payment terminal
                                                                    quoted                60%
Q15_2 Ambience of the shop                                          not quoted            67%
                                                                    quoted                33%
Q15_3 Time taken for transaction                                    not quoted            45%
                                                                    quoted                55%
Q15_4 Conduct of the shop assistant                                 not quoted            36%
                                                                    quoted                64%
Q15_5 Wider security in the shop (e.g. presence of CCTV, security   not quoted            82%
guards etc)                                                         quoted                18%
Q15_6 Cost of purchase, i.e. an expensive item                      not quoted            72%
                                                                    quoted                28%
Q15_7 If the outlet has suffered a data breach                      not quoted            33%
                                                                    quoted                67%
Q15_8 None of these                                                 not quoted            93%
                                                                    quoted                 7%
Q16 What is the average amount you spend each week using your       Average
debit / credit card?                                                                   £100.00
17. Please can you rank the following payment methods in            Rank 1                16%
terms of security threat (likelihood of fraud / theft by paying for Rank 2                33%
goods and services in this way? Q17_1 Debit cards                   Rank 3                32%
                                                                    Rank 4                14%
                                                                    Rank 5                 4%
Q17_2 Credit cards                                                  Rank 1                43%
                                                                    Rank 2                28%
                                                                    Rank 3                14%
                                                                    Rank 4                 9%
                                                                    Rank 5                 6%
Q17_3 Cash                                                          Rank 1                11%
                                                                    Rank 2                 6%
                                                                    Rank 3                 4%
                                                                    Rank 4                 6%
                                                                    Rank 5                73%
Q17_4 Pre-paid debit / credit card                                  Rank 1                 8%
                                                                    Rank 2                21%
                                                                    Rank 3                25%
                                                                    Rank 4                39%
                                                                    Rank 5                 8%
Q17_5 Online payment system (PayPal etc)                            Rank 1                23%
                                                                    Rank 2                12%
                                                                    Rank 3                24%
                                                                    Rank 4                32%
Q17_5 Online payment system (PayPal etc)




                                                               Rank 5                        9%
Q18 Do you think companies who suffer a data breach should be  Yes                          89%
required to make the incident public?                          No                            5%
                                                               DK/NS                         6%
19. Please rank in order who you trust more with your data     Rank 1                       63%
when making a purchase, where 1 is most trusted and 6 is least Rank 2                       24%
trusted? Q19_1 Supermarket                                     Rank 3                        7%
                                                               Rank 4                        3%
                                                               Rank 5                        2%
                                                               Rank 6                        1%
Q19_2 Utility company                                          Rank 1                       25%
                                                               Rank 2                       31%
                                                               Rank 3                       22%
                                                               Rank 4                        9%
                                                               Rank 5                        7%
                                                               Rank 6                        6%
Q19_3 Retailer                                                 Rank 1                        5%
                                                               Rank 2                       29%
                                                               Rank 3                       36%
                                                               Rank 4                       17%
                                                               Rank 5                        9%
                                                               Rank 6                        4%
Q19_4 Hotel                                                    Rank 1                        3%
                                                               Rank 2                        7%
                                                               Rank 3                       18%
                                                               Rank 4                       34%
                                                               Rank 5                       29%
                                                               Rank 6                        8%
Q19_5 Restaurant                                               Rank 1                        1%
                                                               Rank 2                        2%
                                                               Rank 3                        8%
                                                               Rank 4                       18%
                                                               Rank 5                       38%
                                                               Rank 6                       32%
Q19_6 Petrol / gas station                                     Rank 1                        2%
                                                               Rank 2                        6%
                                                               Rank 3                        9%
                                                               Rank 4                       18%
                                                               Rank 5                       15%
                                                               Rank 6                       49%
Q20 How often do you think about the security technology and   I think about it every
systems behind your card transactions?                         time I make a                33%
                                                               transaction
                                                               I think about it when
                                                               stories on payment
                                                                                            29%
                                                               security have been

                                                                 I think about it when
                                                                 changing my details
                                                                                            8%
                                                                 on my existing pay

                                                                 I think about it when I
                                                                 dont feel safe in a        17%
                                                                 shop
                                                                 I dont think about it at
                                                                                            13%
                                                                 all
Q21 In your opinion, are card vendors and retailers doing enough to Yes          32%
protect your data?                                                  No           42%
                                                                    DK/NS        27%
22. What areas of the world would you say are more likely to        not quoted
experience high rates of card and payment fraud from the ones                    51%
listed below? Q22_1 United States                                   quoted       49%
Q22_2 Japan                                                        not quoted    83%
                                                                   quoted        17%
Q22_3 Germany                                                      not quoted    91%
                                                                   quoted         9%
Q22_4 China (PRC)                                                  not quoted    63%
                                                                   quoted        37%
Q22_5 United Kingdom                                               not quoted    65%
                                                                   quoted        35%
Q22_6 France                                                       not quoted    88%
                                                                   quoted        12%
Q22_7 Italy                                                        not quoted    84%
                                                                   quoted        16%
Q22_8 Spain                                                        not quoted    78%
                                                                   quoted        22%
Q22_9 Canada                                                       not quoted    94%
                                                                   quoted         6%
Q22_10 Brazil                                                      not quoted    62%
                                                                   quoted        38%
Q22_11 Russia                                                      not quoted    57%
                                                                   quoted        43%
Q22_12 India                                                       not quoted    60%
                                                                   quoted        40%
Q22_13 Mexico                                                      not quoted    58%
                                                                   quoted        42%
Q22_14 South Korea                                                 not quoted    75%
                                                                   quoted        25%
Q22_15 Australia                                                   not quoted    93%
                                                                   quoted         7%
Q22_16 Netherlands                                                 not quoted    93%
                                                                   quoted         7%
Q22_17 Turkey                                                      not quoted    68%
                                                                   quoted        32%
Q22_18 Sweden                                                      not quoted    95%
                                                                   quoted         5%
Q22_19 Belgium                                                     not quoted    94%
                                                                   quoted         6%
Q22_20 Indonesia                                                   not quoted    64%
                                                                   quoted        36%
Q22_21 None of these                                               not quoted    88%
                                                                   quoted        12%
ment security research (UK)

                     GENDER                             AGE
                 Male             Column N 25-34
               Column N Female N 18-24
                         Column                       Column N 45-54
                                            Column N 35-44      Column N 55+
                                                                          Column N
                   %         %        %         %         %         %         %
                    1%         3%       0%        4%        0%        1%        5%
                   53%        52%      54%       57%       60%       49%       39%
                   27%        37%      36%       26%       29%       32%       40%
                   14%         5%       7%        7%        7%       14%       12%
                    5%         4%       3%        7%        4%        4%        4%
                    1%         3%       0%        4%        0%        1%        5%
                   23%        16%      10%       16%       18%       20%       31%
                   12%        11%      10%       13%       11%       14%       10%
                   24%        28%      12%       30%       29%       31%       23%
                   40%        42%      68%       37%       42%       34%       30%
                    1%         3%       0%        4%        0%        1%        5%
                   21%        27%      32%       21%       22%       26%       21%
                   44%        41%      39%       47%       51%       38%       34%
                   22%        23%      22%       21%       20%       21%       30%
                   12%         7%       7%        8%        7%       14%       10%
                    1%         3%       0%        4%        0%        1%        5%
                    2%         3%       3%        2%        0%        4%        4%
                   16%         8%      15%       12%        9%       15%       10%
                   39%        42%      59%       38%       44%       33%       30%
                   42%        45%      22%       44%       47%       47%       51%
                   60%        60%      61%       69%       61%       59%       49%
                   17%        16%       7%       12%       18%       17%       27%
                   24%        23%      32%       19%       21%       25%       23%
                    0%         1%       0%        1%        0%        0%        0%
                   56%        57%      66%       61%       57%       51%       51%
                   29%        26%      17%       20%       28%       29%       42%
                   15%        15%      15%       19%       13%       20%        8%
                    1%         1%       2%        1%        2%        0%        0%
                   42%        53%      51%       55%       50%       44%       36%
                   26%        20%      14%       19%       22%       28%       31%
                   24%        19%      29%       19%       21%       20%       22%
                    8%         8%       7%        8%        7%        8%       10%
                   48%        52%      61%       50%       54%       46%       40%
                   34%        31%      15%       34%       32%       38%       39%
                   11%         9%      12%       14%        7%        9%        9%
                    7%         8%      12%        2%        7%        7%       12%
                   47%        48%      68%       55%       46%       40%       34%
                   43%        41%      19%       35%       47%       51%       53%
                    6%         9%      14%        7%        5%        7%        9%
                    3%         2%       0%        4%        2%        2%        4%
                   42%        44%      54%       48%       45%       39%       29%
                   43%        46%      25%       45%       43%       49%       55%
                    6%         4%       7%        5%        7%        4%        4%
                    9%         7%      14%        2%        5%        8%       13%
                   39%        36%      31%       48%       37%       34%       36%
                   22%        14%      17%       14%       15%       21%       23%
                   36%        48%      53%       37%       46%       40%       35%
                    4%         2%       0%        1%        2%        5%        5%
                   41%        53%      34%       54%       46%       44%       53%
23%   19%   15%   12%   23%   25%   30%
29%   19%   39%   24%   23%   25%   12%
 7%    9%   12%   11%    8%    7%    5%

 0%    1%    2%    0%    0%    0%    0%
28%   33%   46%   30%   27%   33%   21%
34%   34%   39%   35%   37%   27%   34%
20%   20%    5%   24%   15%   18%   34%
14%    8%    5%    8%   15%   18%    7%
 4%    5%    3%    2%    6%    5%    5%



83%   85%   81%   81%   86%   84%   87%
33%   33%   27%   29%   39%   38%   27%
29%   23%   31%   30%   19%   25%   27%
18%   26%   17%   22%   26%   20%   23%
15%   16%   19%   16%   11%   14%   20%
 5%    2%    7%    2%    4%    4%    3%
 0%    1%    0%    0%    1%    0%    0%

 0%    0%    0%    0%    0%    0%    0%
43%   41%   31%   40%   44%   54%   39%
22%   26%   29%   28%   19%   22%   23%
21%   23%   27%   19%   25%   14%   26%
10%    6%   10%    9%    9%    6%    7%
 4%    2%    3%    2%    3%    4%    3%
 0%    0%    0%    0%    0%    0%    0%

 1%    1%    0%    2%    0%    0%    3%
37%   34%   36%   35%   31%   37%   39%
63%   66%   64%   65%   69%   64%   61%
23%   22%   36%   22%   26%   19%   13%
77%   78%   64%   78%   74%   81%   87%
62%   56%   71%   57%   59%   60%   52%
38%   44%   29%   43%   41%   40%   48%
85%   85%   83%   86%   90%   78%   87%
15%   15%   17%   14%   10%   22%   13%
65%   77%   56%   81%   78%   69%   64%
35%   23%   44%   19%   22%   31%   36%
98%   99%   97%   99%   99%   99%   97%
 2%    2%    3%    1%    1%    1%    3%
61%   63%   51%   57%   75%   64%   59%
23%   21%   26%   26%   15%   21%   24%
10%   12%   18%   13%    6%   10%   11%
 4%    3%    4%    1%    2%    5%    5%
 3%    1%    2%    4%    2%    0%    1%
 0%    0%    0%    0%    0%    0%    0%
60%   66%   51%   59%   69%   68%   64%
27%   27%   33%   28%   22%   21%   32%
10%    4%    7%   12%    4%    8%    3%
 2%    3%    7%    0%    3%    2%    1%
 2%    1%    2%    1%    2%    0%    0%
 0%    0%    0%    0%    0%    0%    0%
43%   55%   37%   47%   55%   46%   55%
10%    9%    7%   17%   13%    5%    3%
12%   10%   16%    9%    6%   17%    8%
 7%    4%     2%    8%     3%     5%    7%
23%   16%    28%   15%    16%    18%   24%
 6%    8%    11%    4%     7%    10%    4%
13%   14%     9%   12%    17%    17%    9%
18%   16%    23%   29%    13%    14%    7%
35%   38%    35%   25%    39%    41%   43%
20%   22%    19%   24%    15%    23%   25%
10%    7%    14%    5%    13%     2%    9%
 5%    3%     0%    6%     2%     4%    7%
16%   10%    15%   14%    13%    15%    9%
69%   76%    58%   73%    76%    73%   78%
13%   12%    24%   12%     9%     9%   13%
 2%    2%     3%    1%     2%     2%    0%
13%    9%    14%   16%     8%    12%    5%
68%   71%    49%   66%    73%    77%   75%
17%   18%    34%   16%    15%     9%   20%
 2%    2%     3%    1%     4%     2%    0%
31%   36%    32%   34%    34%    40%   26%
63%   61%    58%   63%    61%    59%   69%
 4%    2%     7%    4%     2%     0%    5%
 2%    2%     3%    0%     3%     1%    0%
59%   63%    70%   62%    59%    59%   58%
25%   20%     9%   33%    23%    24%   20%
 8%    5%    12%    2%     7%     4%   10%
 9%   11%    10%    4%    11%    14%   12%
 9%    8%     9%   12%     8%    11%    5%
40%   37%    37%   49%    44%    39%   21%
 6%    5%    12%    6%     4%     4%    4%
45%   50%    42%   34%    44%    47%   70%
48%   60%    49%   51%    51%    59%   61%
41%   28%    37%   40%    39%    35%   21%
 5%    5%     5%    6%     5%     2%    7%
 5%    7%     9%    4%     5%     4%   12%
16%   14%    14%   16%    14%    17%   14%

 3%    2%     0%    5%     4%     2%    1%
81%   84%    86%   79%    82%    81%   84%
 3%    4%    13%    7%     0%    0%     0%
 0%    4%     0%    0%     7%    0%     0%
12%    0%    13%    7%     0%    7%     9%
 0%    0%     0%    0%     0%    0%     0%
 3%    4%    13%    7%     0%    0%     0%
 9%    4%    13%   14%     0%    0%     9%

33%   39%    13%   36%    43%    21%   64%
39%   46%    38%   29%    50%    71%   18%
86%   100%   0%    100%   100%   50%   100%
14%     0%   0%      0%     0%   50%     0%
57%   100%   0%    75%    75%    50%   100%
43%     0%   0%    25%    25%    50%     0%
57%   100%   0%    75%    75%    50%   100%
43%     0%   0%    25%    25%    50%     0%
71%   100%   0%    100%   75%    50%   100%
29%     0%   0%      0%   25%    50%     0%
71%   100%   0%    100%   75%    50%   100%
    29%        0%        0%        0%       25%       50%        0%
    71%       75%        0%      100%       50%       50%      100%
    29%       25%        0%        0%       50%       50%        0%
    71%       25%        0%       75%       50%       50%        0%
    29%       75%        0%       25%       50%       50%      100%
    71%       75%        0%       75%       75%       50%      100%
    29%       25%        0%       25%       25%       50%        0%
    33%       34%       42%       44%       36%       26%       20%

     4%        4%        2%        8%        3%        4%        3%
    63%       62%       56%       48%       61%       71%       78%



    40%       40%       42%       47%       40%       40%       30%
    60%       60%       58%       54%       60%       60%       70%
    67%       67%       63%       69%       61%       73%       71%
    33%       33%       37%       31%       39%       27%       29%
    52%       38%       53%       49%       45%       40%       40%
    48%       62%       48%       51%       55%       60%       60%
    40%       33%       49%       47%       36%       25%       29%
    61%       67%       51%       54%       64%       75%       71%
    82%       81%       83%       83%       80%       79%       86%
    18%       19%       17%       17%       20%       21%       14%
    76%       68%       76%       77%       64%       72%       74%
    24%       32%       24%       23%       36%       28%       26%
    39%       28%       36%       42%       34%       33%       22%
    61%       72%       64%       58%       66%       67%       78%
    92%       94%       92%       91%       93%       93%       95%
     8%        6%        9%        9%        7%        7%        5%

£109.51   £90.37    £77.58    £93.57    £109.62   £105.44   £105.91
    15%       17%       27%       17%       14%       14%        9%
    34%       32%       20%       28%       35%       42%       36%
    32%       33%       27%       35%       29%       28%       43%
    14%       15%       19%       14%       19%       11%       10%
     5%        3%        7%        6%        3%        5%        1%
    41%       44%       34%       37%       42%       51%       47%
    28%       29%       36%       31%       26%       24%       27%
    14%       14%       17%       13%       17%       11%       13%
    10%        7%        9%       12%        6%        9%        9%
     7%        5%        5%        7%        9%        6%        4%
    11%       11%       10%       15%       10%        9%        9%
     8%        5%        3%        7%        8%        7%        5%
     5%        3%        5%        4%        4%        6%        3%
     3%        8%        7%        4%        4%        5%       10%
    73%       73%       75%       71%       74%       73%       73%
     9%        6%        7%        5%        9%        8%        9%
    20%       21%       25%       22%       15%       18%       26%
    22%       29%       29%       24%       25%       28%       21%
    43%       34%       31%       45%       40%       42%       31%
     6%        9%        9%        4%       11%        4%       13%
    24%       22%       22%       26%       25%       18%       26%
    10%       13%       15%       12%       16%        9%        5%
    28%       20%       22%       24%       25%       27%       21%
    29%       36%       36%       26%       31%       33%       39%
8%    9%    5%    13%   3%    13%   9%
90%   89%   85%   78%   93%   93%   97%
 6%    4%    7%    8%    3%    4%    3%
 4%    8%    9%   14%    4%    4%    0%
64%   62%   63%   66%   68%   60%   57%
24%   24%   19%   23%   18%   29%   31%
 7%    6%   12%    4%    7%    7%    5%
 3%    3%    2%    4%    4%    0%    5%
 2%    3%    0%    4%    3%    2%    1%
 1%    2%    5%    0%    0%    1%    0%
25%   25%   17%   22%   23%   27%   35%
32%   30%   27%   34%   35%   31%   27%
22%   22%   20%   22%   23%   20%   25%
 8%   10%    9%    9%   11%   11%    5%
 5%    8%   14%    7%    5%    8%    3%
 6%    5%   14%    6%    3%    4%    5%
 5%    5%    7%    2%    6%    7%    4%
30%   29%   37%   29%   28%   26%   29%
35%   37%   25%   28%   38%   45%   39%
18%   17%   14%   22%   12%   20%   20%
10%    7%   14%   11%   10%    1%    9%
 3%    5%    3%    8%    6%    1%    0%
 2%    4%    7%    6%    2%    1%    1%
 8%    6%    5%    6%   12%    5%    8%
22%   15%   17%   26%   16%   19%   14%
35%   33%   32%   36%   33%   38%   30%
26%   33%   34%   19%   30%   31%   36%
 7%    8%    5%    8%    7%    7%   10%
 2%    1%    3%    2%    1%    0%    0%
 1%    4%    3%    4%    3%    0%    1%
 7%   10%   14%   16%    6%    2%    5%
17%   20%   36%   16%   16%   17%   12%
42%   34%   25%   44%   37%   44%   34%
33%   32%   19%   17%   37%   38%   48%
 2%    3%    3%    1%    0%    5%    3%
 5%    7%    9%    5%    4%    9%    4%
 7%   10%   12%    5%   10%    7%   12%
20%   17%    9%   13%   24%   15%   29%
16%   15%   14%   16%   15%   14%   17%
51%   48%   54%   61%   47%   49%   36%



32%   35%   27%   36%   36%   34%   31%




28%   29%   24%   27%   31%   33%   27%




8%    7%    10%   4%    9%    9%    8%


15%   19%   20%   22%   11%   13%   20%

17%   10%   19%   12%   13%   11%   14%
41%   23%   42%   40%   32%   25%   23%
38%   46%   24%   31%   47%   55%   44%
22%   32%   34%   29%   21%   20%   33%


53%   50%   53%   63%   47%   45%   51%
47%   50%   48%   37%   53%   55%   49%
82%   85%   80%   90%   84%   82%   79%
18%   15%   20%   11%   16%   18%   21%
92%   90%   95%   92%   90%   89%   90%
 8%   10%    5%    8%   10%   11%   10%
59%   67%   80%   70%   60%   59%   52%
41%   33%   20%   30%   40%   41%   48%
65%   65%   68%   63%   63%   65%   70%
35%   35%   32%   37%   37%   35%   30%
87%   89%   86%   92%   90%   88%   82%
13%   11%   14%    8%   10%   12%   18%
83%   85%   88%   90%   84%   87%   73%
17%   15%   12%   11%   16%   13%   27%
77%   79%   86%   87%   80%   79%   58%
23%   21%   14%   13%   20%   21%   42%
94%   94%   97%   95%   95%   94%   90%
 6%    6%    3%    5%    5%    6%   10%
61%   64%   76%   66%   54%   66%   53%
40%   36%   24%   34%   46%   34%   47%
46%   69%   80%   61%   50%   55%   49%
54%   31%   20%   40%   50%   45%   51%
56%   64%   83%   65%   51%   57%   51%
44%   36%   17%   35%   49%   44%   49%
53%   63%   71%   67%   51%   58%   48%
47%   37%   29%   33%   49%   42%   52%
75%   74%   86%   79%   71%   74%   66%
25%   26%   14%   21%   29%   26%   34%
93%   94%   90%   95%   96%   92%   92%
 7%    6%   10%    5%    4%    8%    8%
93%   94%   97%   97%   95%   92%   87%
 7%    6%    3%    4%    5%    8%   13%
67%   70%   86%   78%   64%   65%   53%
33%   30%   14%   22%   36%   35%   47%
95%   96%   97%   98%   97%   93%   92%
 5%    5%    3%    2%    3%    7%    8%
95%   94%   97%   98%   94%   93%   91%
 5%    6%    3%    2%    6%    7%    9%
59%   68%   81%   77%   59%   59%   47%
41%   32%   19%   23%   41%   41%   53%
93%   83%   81%   84%   89%   92%   91%
 7%   17%   19%   16%   11%    8%    9%
                                                                              SPVA - Payment security resea
                                                                               TOTAL
                                                                                 %
3. Thinking about an average purchase, which of these           0                       6%
common payment methods do you prefer using? Please rank         Rank 1                 50%
where 1 is most preferred and 4 is least preferred Q3_1 Debit   Rank 2                 28%
cards, i.e. Maestro                                             Rank 3                 10%
                                                                Rank 4                  6%
Q3_2 Credit cards, i.e. Visa                                    0                       6%
                                                                Rank 1                 14%
                                                                Rank 2                 16%
                                                                Rank 3                 30%
                                                                Rank 4                 34%
Q3_3 Cash                                                       0                       6%
                                                                Rank 1                 26%
                                                                Rank 2                 39%
                                                                Rank 3                 19%
                                                                Rank 4                 10%
Q3_4 Online payment system (PayPal etc.)                        0                       6%
                                                                Rank 1                  4%
                                                                Rank 2                 11%
                                                                Rank 3                 35%
                                                                Rank 4                 44%
4. And which are you most likely to use for the following       Debit card             69%
purchases? Q4_1 Groceries / household goods (excludes           Credit card            11%
mortgages/rent, and utility bills)                              Cash                   19%
                                                                DK/NS                   1%
Q4_2 Clothing                                                   Debit card             54%
                                                                Credit card            31%
                                                                Cash                   14%
                                                                DK/NS                   2%
Q4_3 Books                                                      Debit card             48%
                                                                Credit card            23%
                                                                Cash                   22%
                                                                DK/NS                   7%
Q4_4 Music / tickets / entertainment                            Debit card             45%
                                                                Credit card            30%
                                                                Cash                   19%
                                                                DK/NS                   6%
Q4_5 Electrical goods                                           Debit card             46%
                                                                Credit card            35%
                                                                Cash                   14%
                                                                DK/NS                   6%
Q4_6 Travel / hotels / car hire                                 Debit card             36%
                                                                Credit card            54%
                                                                Cash                    6%
                                                                DK/NS                   4%
Q4_7 Restaurants / takeaways                                    Debit card             51%
                                                                Credit card            17%
                                                                Cash                   31%
                                                                DK/NS                   1%
Q4_8 Petrol / gas                                               Debit card             55%
                                                                Credit card            20%
Q4_8 Petrol / gas

                                                                   Cash                    22%
                                                                   DK/NS                    3%
Q5 How many debit / credit cards do you carry in your wallet on an None, I have no cards    2%
average day?                                                       1 card                  39%
                                                                   2 cards                 24%
                                                                   3 cards                 19%
                                                                   4 cards                  8%
                                                                   5 or more cards          8%
Q6 How often when using your card as a payment method do you Average
use a device that asks you to enter a PIN? Please select this as a
percentage of overall use.                                                                 56%
Q7 When making a purchase IN-STORE, please tell us how often      Always                   24%
you think about card security – i.e. the number of occasions that Often                    18%
you consider security issues when using your card.                Sometimes                27%
                                                                  Rarely                   21%
                                                                  Never                     8%
                                                                  DK / NS                   2%
                                                                  I only pay for goods
                                                                                           0%
                                                                  using cash
Q8 When making a purchase ONLINE, please tell us how often        Always                   38%
you think about card security – i.e. the number of occasions that Often                    21%
you consider security issues when using your card.                Sometimes                23%
                                                                  Rarely                   11%
                                                                  Never                     3%
                                                                  DK / NS                   1%
                                                                  I dont purchase goods
                                                                                           3%
                                                                  online
9. What does being ‘security conscious’ with your cards mean not quoted                    65%
to you when making a PIN or signature-based purchase with quoted                           35%
your credit or debit card(s)? Q9_1 Itoo close to me/ when I enter not quoted
Q9_2 I check that no one is standing cover my PIN signature                                42%
my PIN / sign my name                                             quoted                   58%
Q9_3 I have different PIN numbers for each of my debit / credit   not quoted               79%
cards                                                             quoted                   21%
Q9_4 Using alternative means of payment (cash / cheque,           not quoted               80%
banker’s drafts, telephone banking) whenever I can to avoid the   quoted                   20%
risk of Ihaving my card details stolenbehind card transactions
Q9_5 trust the security processes                                 not quoted               70%
                                                                  quoted                   30%
Q9_6 None of these                                                not quoted               92%
                                                                  quoted                    8%
10. And how often do you carry out these security conscious Always                         47%
measures when using your cards? Q10_1 Guarding my PIN             Often                    22%
number / signature                                                Sometimes                15%
                                                                  Rarely                    6%
                                                                  Never                     8%
                                                                  DK/NS                     1%
Q10_2 Checking that no one is standing too close to me when I     Always                   50%
enter my details                                                  Often                    26%
                                                                  Sometimes                12%
                                                                  Rarely                    5%
                                                                  Never                     6%
                                                                  DK/NS                     1%
Q10_3 I have different PIN numbers for each of my debit / credit  Always                   31%
cards                                                             Often                     9%
                                                                  Sometimes                 9%
                                                                  Rarely                    8%
Q10_3 I have different PIN numbers for each of my debit / credit
cards



                                                                   Never                  30%
                                                                   DK/NS                  13%
Q10_4 Using alternative means of payment (cash / cheque,           Always                 19%
banker’s drafts, telephone banking) whenever I can to avoid the    Often                  17%
risk of having my card details stolen                              Sometimes              29%
                                                                   Rarely                 16%
                                                                   Never                  14%
                                                                   DK/NS                   5%
11. Against the following examples, can you please state           Increases              16%
whether your sensitivity to potential security threats             Stays the same         67%
increases, decreases, or stays the same Q11_1 If I have used       Decreases              15%
my card in the store before                                        DK/NS                   2%
Q11_2 If I trust the store's name / brand                          Increases              10%
                                                                   Stays the same         71%
                                                                   Decreases              17%
                                                                   DK/NS                   2%
Q11_3 If I am paying for an expensive item                         Increases              29%
                                                                   Stays the same         63%
                                                                   Decreases               4%
                                                                   DK/NS                   4%
Q11_4 When I'm abroad                                              Increases              49%
                                                                   Stays the same         28%
                                                                   Decreases               4%
                                                                   DK/NS                  18%
Q11_5 Whether I'm using my work charge-card                        Increases              12%
                                                                   Stays the same         46%
                                                                   Decreases               6%
                                                                   DK/NS                  35%
Q11_6 Whether there is a technical fault or slowdown in the        Increases              45%
transaction confirmation                                           Stays the same         43%
                                                                   Decreases               5%
                                                                   DK/NS                   7%
Q12 Have you been a victim of card fraud in the last 2 years?      Yes - once             13%
                                                                   Yes more than once      4%
                                                                   No - never             83%
Q13a Do you know where your credit / debit card information was    Supermarket             8%
stolen from?                                                       Utility company         3%
                                                                   Retailer                3%
                                                                   Hotel                   3%
                                                                   Restaurant             13%
                                                                   Petrol / gas station    8%
                                                                   Internet related
                                                                                          40%
                                                                   transaction
                                                                   Other [please state]   25%
Q13b_1 Supermarket                                                 not quoted             69%
                                                                   quoted                 31%
Q13b_2 Utility company                                             not quoted             77%
                                                                   quoted                 23%
Q13b_3 Retailer                                                    not quoted             85%
                                                                   quoted                 15%
Q13b_4 Hotel                                                       not quoted             69%
                                                                   quoted                 31%
Q13b_5 Restaurant                                                  not quoted             85%
                                                                   quoted                 15%
Q13b_6 Petrol / gas station                                        not quoted             92%
Q13b_6 Petrol / gas station
                                                                 quoted                      8%
Q13b_7 Internet related transaction                              not quoted                 54%
                                                                 quoted                     46%
Q13b_8 Other [please state]                                      not quoted                 85%
                                                                 quoted                     15%
Q14 Have you ever lost your debit or credit card?                Yes 1 to 3 times           29%
                                                                 Yes more than 3 times
                                                                                             3%
                                                                No                          68%
15. Which of the following would cause you to feel particularly not quoted
worried about using your card and PIN to purchase an item?
Q15_1 Look and feel of payment terminal
                                                                                            59%
                                                                  quoted                    41%
Q15_2 Ambience of the shop                                        not quoted                70%
                                                                  quoted                    30%
Q15_3 Time taken for transaction                                  not quoted                58%
                                                                  quoted                    42%
Q15_4 Conduct of the shop assistant                               not quoted                45%
                                                                  quoted                    55%
Q15_5 Wider security in the shop (e.g. presence of CCTV, security not quoted                81%
guards etc)                                                       quoted                    19%
Q15_6 Cost of purchase, i.e. an expensive item                    not quoted                72%
                                                                  quoted                    28%
Q15_7 If the outlet has suffered a data breach                    not quoted                35%
                                                                  quoted                    65%
Q15_8 None of these                                               not quoted                86%
                                                                  quoted                    14%
Q16 What is the average amount you spend each week using your Average
debit / credit card?                                                                     $184.44
17. Please can you rank the following payment methods in          Rank 1                    17%
terms of security threat (likelihood of fraud / theft by paying   Rank 2                    31%
for goods and services in this way? Q17_1 Debit cards             Rank 3                    31%
                                                                  Rank 4                    18%
                                                                  Rank 5                     4%
Q17_2 Credit cards                                                Rank 1                    40%
                                                                  Rank 2                    30%
                                                                  Rank 3                    17%
                                                                  Rank 4                     8%
                                                                  Rank 5                     5%
Q17_3 Cash                                                        Rank 1                    11%
                                                                  Rank 2                     6%
                                                                  Rank 3                     3%
                                                                  Rank 4                     8%
                                                                  Rank 5                    73%
Q17_4 Pre-paid debit / credit card                                Rank 1                     9%
                                                                  Rank 2                    20%
                                                                  Rank 3                    26%
                                                                  Rank 4                    39%
                                                                  Rank 5                     7%
Q17_5 Online payment system (PayPal etc)                          Rank 1                    24%
                                                                  Rank 2                    13%
                                                                  Rank 3                    23%
                                                                  Rank 4                    28%
                                                                  Rank 5                    11%
Q18 Do you think companies who suffer a data breach should be      Yes                            85%
required to make the incident public?                              No                              6%
                                                                   DK/NS                          10%
19. Please rank in order who you trust more with your data         Rank 1                         36%
when making a purchase, where 1 is most trusted and 6 is           Rank 2                         32%
least trusted? Q19_1 Supermarket                                   Rank 3                         17%
                                                                   Rank 4                          8%
                                                                   Rank 5                          5%
                                                                   Rank 6                          3%
Q19_2 Utility company                                              Rank 1                         45%
                                                                   Rank 2                         24%
                                                                   Rank 3                         11%
                                                                   Rank 4                          8%
                                                                   Rank 5                          5%
                                                                   Rank 6                          7%
Q19_3 Retailer                                                     Rank 1                          4%
                                                                   Rank 2                         16%
                                                                   Rank 3                         29%
                                                                   Rank 4                         25%
                                                                   Rank 5                         17%
                                                                   Rank 6                          9%
Q19_4 Hotel                                                        Rank 1                          6%
                                                                   Rank 2                         12%
                                                                   Rank 3                         17%
                                                                   Rank 4                         22%
                                                                   Rank 5                         25%
                                                                   Rank 6                         17%
Q19_5 Restaurant                                                   Rank 1                          3%
                                                                   Rank 2                          8%
                                                                   Rank 3                         14%
                                                                   Rank 4                         19%
                                                                   Rank 5                         27%
                                                                   Rank 6                         29%
Q19_6 Petrol / gas station                                         Rank 1                          5%
                                                                   Rank 2                          7%
                                                                   Rank 3                         13%
                                                                   Rank 4                         19%
                                                                   Rank 5                         21%
                                                                   Rank 6                         35%
Q20 How often do you think about the security technology and       I think about it every
systems behind your card transactions?                             time I make a                  34%
                                                                   transaction
                                                                   I think about it when
                                                                   stories on payment             23%
                                                                   security have been
                                                                   I think about it when
                                                                   changing my details on         10%
                                                                   my existing pay
                                                                   I think about it when I
                                                                   dont feel safe in a shop       15%

                                                                   I dont think about it at all
                                                                                                  18%
Q21 In your opinion, are card vendors and retailers doing enough   Yes                            34%
to protect your data?                                              No                             39%
                                                                   DK/NS                          26%
22. What areas of the world would you say are more likely to   not quoted   33%
experience high rates of card and payment fraud from the       quoted       67%
ones listed below? Q22_1 United States
Q22_2 Japan                                                    not quoted   83%
                                                               quoted       17%
Q22_3 Germany                                                  not quoted   89%
                                                               quoted       11%
Q22_4 China (PRC)                                              not quoted   70%
                                                               quoted       30%
Q22_5 United Kingdom                                           not quoted   76%
                                                               quoted       24%
Q22_6 France                                                   not quoted   84%
                                                               quoted       16%
Q22_7 Italy                                                    not quoted   86%
                                                               quoted       14%
Q22_8 Spain                                                    not quoted   89%
                                                               quoted       11%
Q22_9 Canada                                                   not quoted   85%
                                                               quoted       15%
Q22_10 Brazil                                                  not quoted   79%
                                                               quoted       21%
Q22_11 Russia                                                  not quoted   71%
                                                               quoted       29%
Q22_12 India                                                   not quoted   77%
                                                               quoted       23%
Q22_13 Mexico                                                  not quoted   62%
                                                               quoted       38%
Q22_14 South Korea                                             not quoted   85%
                                                               quoted       15%
Q22_15 Australia                                               not quoted   91%
                                                               quoted        9%
Q22_16 Netherlands                                             not quoted   91%
                                                               quoted        9%
Q22_17 Turkey                                                  not quoted   84%
                                                               quoted       16%
Q22_18 Sweden                                                  not quoted   93%
                                                               quoted        7%
Q22_19 Belgium                                                 not quoted   93%
                                                               quoted        7%
Q22_20 Indonesia                                               not quoted   78%
                                                               quoted       22%
Q22_21 None of these                                           not quoted   89%
                                                               quoted       11%
SPVA - Payment security research (USA)
                     GENDER                                                          AGE
              Male            Female         18-24         25-34             35-44
               %                %              %                   %                 %
                      6%                6%            4%                5%                  7%
                     50%               49%           42%               47%                 53%
                     26%               31%           33%               31%                 29%
                     13%                8%           13%               16%                  4%
                      6%                6%            8%                2%                  7%
                      6%                6%            4%                5%                  7%
                     15%               13%           13%               17%                  9%
                     16%               16%           17%               25%                 16%
                     28%               32%           25%               27%                 39%
                     35%               34%           42%               27%                 29%
                      6%                6%            4%                5%                  7%
                     26%               27%           38%               27%                 29%
                     39%               38%           35%               30%                 39%
                     18%               20%           19%               22%                 17%
                     12%                9%            4%               17%                  8%
                      6%                6%            4%                5%                  7%
                      3%                5%            4%                5%                  1%
                     13%                9%           10%                9%                  9%
                     36%               34%           40%               31%                 33%
                     41%               46%           42%               50%                 49%
                     69%               68%           60%               64%                 75%
                     12%               10%           17%               17%                  5%
                     18%               20%           23%               17%                 19%
                      1%                2%            0%                2%                  1%
                     57%               50%           52%               52%                 56%
                     30%               33%           27%               36%                 27%
                     11%               17%           21%               11%                 16%
                      3%                1%            0%                2%                  1%
                     51%               46%           42%               50%                 51%
                     23%               23%           21%               27%                 16%
                     20%               23%           27%               17%                 25%
                      6%                9%           10%                6%                  8%
                     46%               44%           58%               42%                 49%
                     28%               33%           21%               38%                 24%
                     22%               15%           17%               20%                 21%
                      4%                7%            4%                0%                  5%
                     49%               43%           48%               55%                 45%
                     34%               36%           35%               33%                 35%
                     13%               15%           13%                9%                 16%
                      5%                7%            4%                3%                  4%
                     37%               36%           50%               31%                 35%
                     55%               53%           44%               58%                 57%
                      5%                7%            6%                8%                  7%
                      4%                4%            0%                3%                  1%
                     49%               54%           56%               47%                 52%
                     20%               13%           19%               22%                 12%
                     29%               33%           25%               30%                 36%
                      1%                1%            0%                2%                  0%
                     53%               58%           52%               58%                 57%
                     20%               20%           27%               25%                 15%
23%   21%   21%   14%   27%
 3%    2%    0%    3%    1%
 1%    3%    2%    0%    3%
40%   37%   48%   30%   37%
22%   26%   27%   23%   21%
19%   20%   13%   30%   20%
 7%    8%    2%    8%   11%
10%    7%    8%    9%    8%



57%   58%   64%   62%   49%
27%   21%   21%   20%   20%
18%   18%   13%   23%   20%
26%   29%   31%   23%   33%
18%   25%   27%   23%   19%
 9%    7%    8%    8%    5%
 2%    1%    0%    2%    3%

 0%    0%    0%    0%    0%
37%   38%   42%   33%   35%
27%   15%   21%   28%   24%
16%   30%   25%   23%   27%
12%   11%    8%   11%    8%
 3%    3%    2%    5%    3%
 2%    1%    0%    0%    1%

 3%    3%    2%    0%    3%
60%   70%   60%   69%   69%
40%   30%   40%   31%   31%
33%   50%   46%   50%   39%
67%   50%   54%   50%   61%
76%   82%   92%   80%   76%
24%   18%    8%   20%   24%
83%   76%   88%   77%   80%
17%   24%   13%   23%   20%
73%   68%   67%   73%   72%
27%   33%   33%   27%   28%
94%   89%   96%   91%   88%
 6%   11%    4%    9%   12%
52%   43%   39%   52%   46%
21%   23%   24%   19%   20%
13%   16%   15%   16%   15%
 5%    8%   11%    3%    5%
 7%    9%   11%    9%   12%
 2%    1%    0%    2%    3%
54%   46%   50%   45%   44%
26%   25%   22%   28%   32%
 9%   14%    9%   16%    9%
 5%    6%   13%    3%    3%
 4%    9%    4%    9%   11%
 2%    0%    2%    0%    2%
34%   27%   24%   40%   30%
 8%   10%    4%   12%   12%
 5%   13%    7%    7%   15%
 6%   10%   11%    7%    3%
33%   27%    37%   19%   29%
15%   12%    17%   16%   11%
19%   20%    15%   35%   20%
19%   15%    20%   14%   14%
29%   29%    39%   21%   32%
14%   19%    11%   16%   20%
13%   15%     9%   10%   12%
 7%    3%     7%    5%    3%
15%   17%    25%   22%   12%
71%   64%    60%   61%   72%
12%   19%    15%   17%   15%
 2%    1%     0%    0%    1%
 9%   12%    17%   13%    7%
77%   64%    67%   69%   73%
12%   23%    17%   19%   19%
 3%    1%     0%    0%    1%
32%   26%    23%   30%   29%
59%   68%    73%   63%   60%
 5%    4%     2%    8%    7%
 5%    3%     2%    0%    4%
50%   48%    48%   53%   53%
31%   26%    44%   33%   23%
 4%    4%     6%    5%    5%
15%   22%     2%    9%   19%
12%   13%     8%   22%   11%
56%   36%    52%   44%   51%
 6%    7%     8%    8%    8%
26%   44%    31%   27%   31%
39%   52%    46%   48%   44%
51%   34%    44%   45%   47%
 4%    7%    10%    5%    7%
 6%    7%     0%    2%    3%
13%   13%     6%   16%   13%
 6%    3%     0%    8%    5%
81%   84%    94%   77%   81%
10%    5%    0%     0%   20%
 5%    0%    0%    10%    0%
 0%    5%    0%     0%    0%
 5%    0%    0%     0%   10%
15%   10%    0%    10%    0%
10%    5%    0%    10%   20%

30%   50%    67%   30%   40%
25%   25%    33%   40%   10%
78%   50%    0%    20%   100%
22%   50%    0%    80%     0%
67%   100%   0%    40%   100%
33%     0%   0%    60%     0%
78%   100%   0%    80%   100%
22%     0%   0%    20%     0%
67%   75%    0%    20%   100%
33%   25%    0%    80%     0%
78%   100%   0%    60%   100%
22%     0%   0%    40%     0%
89%   100%   0%    80%   100%
   11%        0%        0%       20%        0%
   56%       50%        0%       80%       25%
   44%       50%        0%       20%       75%
   78%      100%        0%      100%       75%
   22%        0%        0%        0%       25%
   27%       31%       23%       36%       35%

    5%        2%        0%        8%        3%
   68%       68%       77%       56%       63%




   57%       62%       54%       55%       65%
   43%       38%       46%       45%       35%
   70%       70%       69%       69%       68%
   30%       31%       31%       31%       32%
   62%       54%       52%       66%       63%
   38%       46%       48%       34%       37%
   50%       40%       54%       53%       43%
   50%       60%       46%       47%       57%
   80%       83%       79%       77%       85%
   20%       17%       21%       23%       15%
   74%       71%       73%       70%       75%
   26%       29%       27%       30%       25%
   38%       33%       29%       42%       29%
   62%       68%       71%       58%       71%
   85%       87%       94%       84%       87%
   15%       13%        6%       16%       13%

$202.32   $166.44   $125.81   $213.20   $152.20
   18%       15%       15%       25%       15%
   30%       32%       25%       28%       39%
   26%       35%       38%       28%       28%
   20%       15%       21%       14%       13%
    5%        3%        2%        5%        5%
   39%       41%       38%       36%       52%
   28%       32%       38%       33%       24%
   19%       15%       17%       19%       11%
    8%        8%        8%        8%        8%
    6%        4%        0%        5%        5%
   15%        7%       10%       11%        9%
    5%        6%        6%        8%        5%
    4%        2%        4%        3%        3%
    6%        9%        4%       13%        5%
   70%       76%       75%       66%       77%
    7%       11%        4%        8%        4%
   23%       17%       19%       14%       20%
   26%       26%       27%       23%       25%
   40%       38%       38%       44%       44%
    5%        9%       13%       11%        7%
   21%       27%       33%       20%       20%
   13%       13%       13%       17%       12%
   25%       22%       15%       27%       33%
   26%       30%       29%       22%       29%
   15%        8%       10%       14%        5%
84%   86%   81%   84%   87%
 4%    7%    4%   13%    4%
13%    7%   15%    3%    9%
36%   37%   44%   42%   29%
33%   31%   17%   23%   36%
16%   17%   21%   16%   17%
 8%    7%    8%    8%    9%
 5%    5%    6%    6%    5%
 3%    3%    4%    5%    3%
41%   48%   33%   33%   51%
26%   23%   21%   27%   20%
12%   10%   13%   14%   12%
 8%    7%   15%    8%    7%
 5%    5%    8%    8%    3%
 8%    6%   10%   11%    8%
 4%    4%    6%    8%    4%
18%   15%   19%   22%   17%
28%   31%   13%   20%   40%
24%   27%   35%   23%   20%
18%   15%   19%   16%   13%
 8%    9%    8%   11%    5%
 9%    4%    8%   11%    8%
11%   13%   23%   11%   13%
21%   13%   15%   20%   11%
22%   21%   10%   27%   29%
24%   26%   25%   17%   23%
13%   23%   19%   14%   16%
 4%    3%    4%    6%    4%
 7%    9%   15%   13%    5%
12%   15%   29%   14%   13%
18%   19%   10%   17%   17%
30%   25%   25%   19%   35%
29%   29%   17%   31%   25%
 7%    4%    4%    0%    4%
 5%    9%    6%    5%    8%
11%   14%   10%   16%    7%
19%   19%   21%   17%   17%
18%   24%   17%   34%   21%
40%   31%   42%   28%   43%



36%   32%   27%   34%   33%


20%   27%   23%   20%   25%


9%    11%   8%    14%   9%


13%   17%   19%   13%   13%

22%   14%   23%   19%   19%
36%   33%   50%   42%   31%
41%   38%   29%   34%   43%
23%   30%   21%   23%   27%
32%   34%   21%   28%   28%
68%   66%   79%   72%   72%
83%   82%   81%   88%   91%
17%   18%   19%   13%    9%
90%   87%   94%   89%   97%
10%   13%    6%   11%    3%
70%   70%   75%   78%   79%
30%   30%   25%   22%   21%
78%   75%   79%   80%   83%
22%   25%   21%   20%   17%
86%   82%   92%   89%   92%
14%   18%    8%   11%    8%
86%   85%   94%   89%   92%
14%   15%    6%   11%    8%
89%   89%   92%   94%   95%
11%   11%    8%    6%    5%
88%   82%   88%   88%   87%
12%   19%   13%   13%   13%
77%   81%   85%   83%   87%
23%   19%   15%   17%   13%
68%   74%   85%   73%   77%
32%   26%   15%   27%   23%
81%   74%   88%   83%   84%
19%   27%   13%   17%   16%
70%   55%   69%   72%   67%
30%   45%   31%   28%   33%
90%   82%   92%   89%   88%
11%   19%    8%   11%   12%
95%   87%   94%   94%   96%
 5%   13%    6%    6%    4%
95%   88%   96%   97%   97%
 5%   12%    4%    3%    3%
86%   83%   90%   84%   91%
15%   17%   10%   16%    9%
96%   90%   96%   92%   99%
 4%   10%    4%    8%    1%
96%   91%   96%   92%   99%
 4%    9%    4%    8%    1%
78%   78%   83%   86%   85%
22%   23%   17%   14%   15%
90%   88%   96%   92%   88%
10%   12%    4%    8%   12%
AGE
      45-54             55+
              %               %
                   8%              6%
                  52%             51%
                  30%             16%
                   8%             14%
                   3%             12%
                   8%              6%
                  12%             20%
                   9%             14%
                  28%             27%
                  43%             33%
                   8%              6%
                  22%             16%
                  42%             49%
                  19%             16%
                   9%             12%
                   8%              6%
                   6%              6%
                  12%             14%
                  37%             37%
                  37%             37%
                  73%             67%
                   8%             10%
                  18%             20%
                   2%              2%
                  52%             57%
                  31%             35%
                  15%              4%
                   2%              4%
                  51%             45%
                  22%             31%
                  22%             16%
                   5%              8%
                  39%             39%
                  36%             33%
                  18%             16%
                   8%             12%
                  43%             39%
                  33%             39%
                  15%             14%
                   9%              8%
                  33%             37%
                  51%             57%
                   8%              0%
                   9%              6%
                  51%             53%
                  12%             22%
                  36%             22%
                   2%              2%
                  55%             53%
                  10%             29%
30%   14%
 5%    4%
 3%    2%
40%   41%
28%   20%
16%   16%
 8%    8%
 5%   12%



62%   51%
27%   33%
18%   14%
25%   22%
19%   20%
 9%    8%
 2%    2%

 0%    0%
40%   41%
15%   14%
24%   14%
12%   18%
 3%    2%
 3%    2%

 3%    8%
64%   59%
36%   41%
37%   37%
63%   63%
76%   76%
24%   25%
78%   78%
22%   22%
67%   71%
33%   29%
93%   94%
 8%    6%
45%   57%
24%   24%
19%    7%
 8%    7%
 3%    4%
 0%    2%
53%   61%
24%   20%
11%   13%
 8%    0%
 3%    4%
 0%    2%
23%   39%
11%    2%
 8%    4%
11%    9%
34%    35%
13%    11%
13%    13%
21%    17%
27%    26%
19%    13%
15%    24%
 5%     7%
12%    10%
72%    69%
13%    16%
 3%     4%
 9%     8%
72%    71%
16%    14%
 3%     6%
27%    37%
67%    53%
 0%     4%
 6%     6%
43%    47%
24%    22%
 3%     0%
30%    31%
 8%    12%
39%    47%
 6%     0%
48%    41%
45%    43%
39%    39%
 5%     0%
12%    18%
13%    16%
 5%     2%
82%    82%
 0%    13%
 0%     0%
11%     0%
 0%     0%
33%    13%
 0%     0%

33%    50%
22%    25%
100%   100%
  0%     0%
100%   100%
  0%     0%
67%    100%
33%      0%
100%   100%
  0%     0%
100%   100%
  0%     0%
100%   100%
    0%        0%
   67%        0%
   33%      100%
   67%      100%
   33%        0%
   27%       18%

    3%        2%
   70%       80%




   52%       71%
   48%       29%
   66%       80%
   34%       20%
   49%       57%
   51%       43%
   33%       45%
   67%       55%
   79%       86%
   21%       14%
   70%       74%
   30%       27%
   31%       47%
   69%       53%
   88%       76%
   12%       25%

$251.73   $161.65
   12%       16%
   31%       29%
   31%       31%
   24%       18%
    2%        6%
   36%       35%
   25%       35%
   22%       18%
    6%       10%
   10%        2%
   10%       14%
    5%        4%
    0%        6%
    8%        8%
   78%       67%
   13%       14%
   27%       20%
   25%       29%
   33%       33%
    2%        4%
   28%       20%
   12%       12%
   21%       16%
   30%       31%
    9%       20%
90%   80%
 3%    4%
 8%   16%
36%   33%
40%   41%
13%   16%
 5%    8%
 3%    2%
 3%    0%
49%   57%
28%   27%
 9%    6%
 8%    2%
 6%    2%
 0%    6%
 2%    0%
15%    6%
39%   29%
22%   31%
16%   20%
 6%   14%
 3%    0%
 6%   10%
19%   22%
21%   16%
31%   31%
19%   20%
 0%    2%
 5%    4%
 6%    8%
25%   22%
24%   35%
40%   29%
10%    8%
 6%   12%
13%   18%
19%   20%
19%   10%
31%   31%



36%   39%


25%   22%


10%   6%


16%   14%

12%   18%
30%   20%
42%   47%
28%   33%
39%   49%
61%   51%
78%   71%
22%   29%
79%   84%
21%   16%
54%   63%
46%   37%
63%   78%
37%   22%
69%   80%
31%   20%
73%   82%
27%   18%
81%   84%
19%   16%
78%   86%
22%   14%
64%   76%
36%   25%
55%   65%
45%   35%
64%   67%
36%   33%
46%   59%
54%   41%
73%   88%
27%   12%
81%   92%
19%    8%
79%   88%
21%   12%
78%   80%
22%   20%
88%   90%
12%   10%
88%   92%
12%    8%
66%   67%
34%   33%
85%   86%
15%   14%
                                                              SPVA - Payment security research (FRA
                                                                              GENDER
                                                         TOTAL         Male
                                                          %             %
3. Thinking about an average purchase,     0                      8%           7%
which of these common payment              Rank 1                10%           8%
methods do you prefer using? Please        Rank 2                13%          12%
rank where 1 is most preferred and 4 is    Rank 3                25%          26%
least preferred Q3_1 Debit cards, i.e.     Rank 4                44%          46%
Maestro
Q3_2 Credit cards, i.e. Visa               0                                   7%
                                                                  8%
                                           Rank 1                66%          64%
                                           Rank 2                17%          20%
                                           Rank 3                 6%           5%
                                           Rank 4                 3%           4%
Q3_3 Cash                                  0                      8%           7%
                                           Rank 1                13%          17%
                                           Rank 2                34%          37%
                                           Rank 3                25%          23%
                                           Rank 4                20%          15%
Q3_4 Online payment system (PayPal etc.)   0                      8%           7%
                                           Rank 1                 4%           4%
                                           Rank 2                28%          24%
                                           Rank 3                36%          38%
                                           Rank 4                25%          28%
4. And which are you most likely to use    Debit card            26%          23%
for the following purchases? Q4_1          Credit card           44%          42%
Groceries / household goods (excludes      Cash                  27%          32%
mortgages/rent, and utility bills)         DK/NS                  3%           3%
Q4_2 Clothing                              Debit card            32%          31%
                                           Credit card           62%          63%
                                           Cash                   5%           5%
                                           DK/NS                  1%           1%
Q4_3 Books                                 Debit card            26%          25%
                                           Credit card           43%          43%
                                           Cash                  25%          28%
                                           DK/NS                  6%           4%
Q4_4 Music / tickets / entertainment       Debit card            31%          29%
                                           Credit card           52%          52%
                                           Cash                  12%          15%
                                           DK/NS                  6%           4%
Q4_5 Electrical goods                      Debit card            29%          31%
                                           Credit card           58%          58%
                                           Cash                   5%           7%
                                           DK/NS                  8%           4%
Q4_6 Travel / hotels / car hire            Debit card            28%          29%
                                           Credit card           63%          64%
                                           Cash                   3%           4%
                                           DK/NS                  6%           4%
Q4_7 Restaurants / takeaways               Debit card            29%          26%
                                           Credit card           50%          50%
                                           Cash                  18%          23%
                                           DK/NS                  3%           1%
Q4_8 Petrol / gas                             Debit card              31%   31%
                                              Credit card             56%   57%
                                              Cash                     8%    9%
                                              DK/NS                    4%    3%
Q5 How many debit / credit cards do you       None, I have no cards
                                                                      1%
carry in your wallet on an average day?                                      1%
                                              1 card                  62%   61%
                                              2 cards                 31%   32%
                                              3 cards                  4%    4%
                                              4 cards                  1%    1%
                                              5 or more cards          2%    2%
Q6 How often when using your card as a        Average
payment method do you use a device that
asks you to enter a PIN? Please select this
as a percentage of overall use.
                                                                      74%   75%
Q7 When making a purchase IN-STORE,           Always                  25%   25%
please tell us how often you think about      Often                   21%   22%
card security – i.e. the number of            Sometimes               20%   18%
occasions that you consider security issues   Rarely                  26%   26%
when using your card.
                                              Never                    8%    9%
                                              DK / NS                  0%    0%
                                              I only pay for goods
                                                                      0%     0%
                                              using cash
Q8 When making a purchase ONLINE,             Always                  44%   44%
please tell us how often you think about      Often                   28%   28%
card security – i.e. the number of            Sometimes               17%   13%
occasions that you consider security issues   Rarely                   6%    8%
when using your card.
                                              Never                    2%    4%
                                              DK / NS                  0%    1%
                                              I dont purchase goods
                                                                      3%     2%
                                              online
9. What does being ‘security conscious’       not quoted              66%   67%
with your cards mean to you when              quoted                  34%   33%
making a PINthatsignature-based too
Q9_2 I check or no one is standing            not quoted              29%   29%
close to me when I enter my PIN / sign my     quoted                  71%   71%
name
Q9_3 I have different PIN numbers for         not quoted              90%   90%
each of my debit / credit cards               quoted                  10%   10%
Q9_4 Using alternative means of payment       not quoted              84%   88%
(cash / cheque, banker’s drafts, telephone    quoted                  16%   12%
Q9_5 I trust the security to avoid the risk
banking) whenever I canprocesses behind       not quoted              80%   79%
card transactions                             quoted                  20%   21%
Q9_6 None of these                            not quoted              93%   96%
                                              quoted                   7%    4%
10. And how often do you carry out            Always                  49%   53%
these security conscious measures             Often                   28%   27%
when using your cards? Q10_1 Guarding         Sometimes               11%   11%
my PIN number / signature                     Rarely                   6%    6%
                                              Never                    3%    3%
                                              DK/NS                    3%    2%
Q10_2 Checking that no one is standing        Always                  55%   53%
too close to me when I enter my details       Often                   30%   32%
                                              Sometimes               11%   11%
                                              Rarely                   2%    3%
                                              Never                    1%    1%
                                              DK/NS                    1%    1%
Q10_3 I have different PIN numbers for      Always                 18%    20%
each of my debit / credit cards             Often                  13%    14%
                                            Sometimes               6%     9%
                                            Rarely                  9%     9%
                                            Never                  34%    33%
                                            DK/NS                  20%    16%
Q10_4 Using alternative means of            Always                 11%    14%
payment (cash / cheque, banker’s drafts, Often                     19%    16%
telephone banking) whenever I can to        Sometimes              36%    38%
avoid the risk of having my card details    Rarely                 18%    16%
stolen
                                            Never                  12%    11%
                                            DK/NS                   4%     4%
11. Against the following examples, can Increases
you please state whether your                                       8%
sensitivity to potential security threats                                 10%
increases, decreases, or stays the same Stays the same             80%    77%
Q11_1 If I have used my card in the store Decreases                10%    10%
before                                      DK/NS                   3%     3%
Q11_2 If I trust the store's name / brand   Increases               6%     6%
                                            Stays the same         75%    76%
                                            Decreases              18%    17%
                                            DK/NS                   2%     1%
Q11_3 If I am paying for an expensive item Increases               24%    26%
                                            Stays the same         69%    68%
                                            Decreases               3%     3%
                                            DK/NS                   4%     4%
Q11_4 When I'm abroad                       Increases              61%    60%
                                            Stays the same         24%    25%
                                            Decreases               9%    11%
                                            DK/NS                   6%     4%
Q11_5 Whether I'm using my work charge- Increases                  11%    10%
card                                        Stays the same         48%    52%
                                            Decreases               7%     8%
                                            DK/NS                  35%    31%
Q11_6 Whether there is a technical fault or Increases              51%    49%
slowdown in the transaction confirmation    Stays the same         35%    34%
                                            Decreases               8%    10%
                                            DK/NS                   7%     7%
Q12 Have you been a victim of card fraud Yes - once                11%    13%
in the last 2 years?                        Yes more than once      3%     3%
                                            No - never             87%    84%
Q13a Do you know where your credit /        Supermarket             3%     5%
debit card information was stolen from?     Utility company         0%     0%
                                            Retailer               12%    19%
                                            Hotel                   0%     0%
                                            Restaurant             12%    10%
                                            Petrol / gas station    3%     5%
                                            Internet related
                                                                   59%
                                            transaction                   52%
                                            Other [please state]    12%   10%
Q13b_1 Supermarket                          not quoted              88%   80%
                                            quoted                  13%   20%
Q13b_2 Utility company                      not quoted             100%   100%
                                            quoted                   0%     0%
Q13b_3 Retailer                             not quoted              63%   80%
Q13b_3 Retailer
                                            quoted                   38%            20%
Q13b_4 Hotel                                not quoted               88%            80%
                                            quoted                   13%            20%
Q13b_5 Restaurant                           not quoted               88%            80%
                                            quoted                   13%            20%
Q13b_6 Petrol / gas station                 not quoted               88%            80%
                                            quoted                   13%            20%
Q13b_7 Internet related transaction         not quoted               50%            20%
                                            quoted                   50%            80%
Q13b_8 Other [please state]                 not quoted               88%            100%
                                            quoted                   13%              0%
Q14 Have you ever lost your debit or credit Yes 1 to 3 times         25%            27%
card?                                       Yes more than 3 times
                                                                      2%
                                                                                     2%
                                          No                         74%            71%
15. Which of the following would cause not quoted                    71%            69%
you to feel particularly worried about    quoted                     29%            31%
using your card and PIN to purchase an not quoted
Q15_2 Ambience of the shop                                           66%            62%
                                          quoted                     34%            38%
Q15_3 Time taken for transaction          not quoted                 54%            58%
                                          quoted                     46%            43%
Q15_4 Conduct of the shop assistant       not quoted                 57%            52%
                                          quoted                     43%            48%
Q15_5 Wider security in the shop (e.g.    not quoted                 79%            82%
presence of CCTV, security guards etc)    quoted                     21%            18%
Q15_6 Cost of purchase, i.e. an expensive not quoted                 73%            74%
item                                      quoted                     28%            26%
Q15_7 If the outlet has suffered a data   not quoted                 47%            57%
breach                                    quoted                     53%            43%
Q15_8 None of these                       not quoted                 91%            92%
                                          quoted                      9%             8%
Q16 What is the average amount you
spend each week using your debit / credit
card?                                                               149 €   165 €
17. Please can you rank the following     Rank 1                     16%            17%
payment methods in terms of security      Rank 2                     28%            28%
threat (likelihood of fraud / theft by    Rank 3                     30%            29%
paying for goods and services in this     Rank 4                     20%            20%
way? Q17_1 Debit cards                    Rank 5                      7%             7%
Q17_2 Credit cards                        Rank 1                     24%            25%
                                          Rank 2                     28%            31%
                                          Rank 3                     21%            19%
                                          Rank 4                     18%            19%
                                          Rank 5                      8%             7%
Q17_3 Cash                                Rank 1                     12%            14%
                                          Rank 2                      8%             5%
                                          Rank 3                      9%            10%
                                          Rank 4                     14%            13%
                                          Rank 5                     57%            59%
Q17_4 Pre-paid debit / credit card        Rank 1                     12%            10%
                                          Rank 2                     25%            27%
                                          Rank 3                     27%            28%
                                          Rank 4                     27%            28%
                                          Rank 5                      9%             8%
Q17_5 Online payment system (PayPal       Rank 1                     37%            34%
etc)
Q17_5 Online payment system (PayPal
etc)                                    Rank 2                     10%   10%
                                        Rank 3                     13%   16%
                                        Rank 4                     21%   20%
                                        Rank 5                     20%   20%
Q18 Do you think companies who suffer a Yes                        78%   76%
data breach should be required to make  No                          8%   10%
the incident public?                    DK/NS                      15%   14%
19. Please rank in order who you trust  Rank 1                     44%   43%
more with your data when making a       Rank 2                     36%   35%
purchase, where 1 is most trusted and 6 Rank 3                      8%    7%
is least trusted? Q19_1 Supermarket     Rank 4                      3%    4%
                                        Rank 5                      6%    7%
                                        Rank 6                      3%    4%
Q19_2 Utility company                   Rank 1                     42%   45%
                                        Rank 2                     19%   22%
                                        Rank 3                     11%    9%
                                        Rank 4                      8%    6%
                                        Rank 5                      9%    9%
                                        Rank 6                      9%   10%
Q19_3 Retailer                          Rank 1                      3%    3%
                                        Rank 2                      8%    8%
                                        Rank 3                     19%   20%
                                        Rank 4                     17%   15%
                                        Rank 5                     23%   24%
                                        Rank 6                     31%   31%
Q19_4 Hotel                             Rank 1                      4%    3%
                                        Rank 2                     13%   13%
                                        Rank 3                     26%   25%
                                        Rank 4                     30%   34%
                                        Rank 5                     22%   19%
                                        Rank 6                      6%    5%
Q19_5 Restaurant                        Rank 1                      3%    2%
                                        Rank 2                     12%   12%
                                        Rank 3                     20%   21%
                                        Rank 4                     29%   28%
                                        Rank 5                     26%   26%
                                        Rank 6                      9%   11%
Q19_6 Petrol / gas station              Rank 1                      4%    4%
                                        Rank 2                     12%   10%
                                        Rank 3                     16%   18%
                                        Rank 4                     13%   13%
                                        Rank 5                     14%   16%
                                        Rank 6                     41%   40%
Q20 How often do you think about the    I think about it every
security technology and systems behind  time I make a              30%
your card transactions?                 transaction                      34%
                                        I think about it when
                                        stories on payment         29%
                                        security have been               27%
                                        I think about it when
                                        changing my details on     9%
                                        my existing pay                  10%
                                        I think about it when I
                                        dont feel safe in a shop   18%
                                                                         16%
                                          I dont think about it at
                                                                     14%   14%
                                          all
Q21 In your opinion, are card vendors and Yes                        27%   32%
retailers doing enough to protect your    No                         41%   46%
data?                                     DK/NS                      32%   23%
22. What areas of the world would you not quoted                     49%   52%
say are more likely to experience high    quoted                     51%   48%
Q22_2 Japan and payment fraud from
rates of card                             not quoted                 78%   82%
                                          quoted                     22%   18%
Q22_3 Germany                             not quoted                 92%   95%
                                          quoted                      8%    5%
Q22_4 China (PRC)                         not quoted                 59%   55%
                                          quoted                     41%   45%
Q22_5 United Kingdom                      not quoted                 86%   87%
                                          quoted                     14%   13%
Q22_6 France                              not quoted                 78%   85%
                                          quoted                     22%   15%
Q22_7 Italy                               not quoted                 72%   65%
                                          quoted                     28%   35%
Q22_8 Spain                               not quoted                 75%   74%
                                          quoted                     25%   26%
Q22_9 Canada                              not quoted                 95%   95%
                                          quoted                      5%    5%
Q22_10 Brazil                             not quoted                 68%   64%
                                          quoted                     32%   37%
Q22_11 Russia                             not quoted                 53%   42%
                                          quoted                     47%   58%
Q22_12 India                              not quoted                 69%   65%
                                          quoted                     31%   35%
Q22_13 Mexico                             not quoted                 66%   64%
                                          quoted                     34%   36%
Q22_14 South Korea                        not quoted                 75%   74%
                                          quoted                     25%   26%
Q22_15 Australia                          not quoted                 96%   96%
                                          quoted                      4%    4%
Q22_16 Netherlands                        not quoted                 95%   96%
                                          quoted                      5%    4%
Q22_17 Turkey                             not quoted                 63%   56%
                                          quoted                     37%   44%
Q22_18 Sweden                             not quoted                 98%   98%
                                          quoted                      3%    2%
Q22_19 Belgium                            not quoted                 93%   95%
                                          quoted                      7%    5%
Q22_20 Indonesia                          not quoted                 68%   62%
                                          quoted                     32%   38%
Q22_21 None of these                      not quoted                 91%   96%
                                          quoted                      9%    4%
VA - Payment security research (FRANCE)
          GENDER                                              AGE
                   Female         18-24         25-34         35-44         45-54
                     %              %             %             %             %
                             9%            0%            8%            4%            9%
                            11%           11%           10%           11%            7%
                            15%           17%           14%           18%            7%
                            24%           37%           21%           24%           29%
                            42%           35%           47%           43%           49%
                             9%            0%            8%            4%            9%
                            69%           70%           73%           64%           63%
                            14%           17%           13%           20%           19%
                             7%            9%            3%            7%           10%
                             3%            4%            4%            5%            0%
                             9%            0%            8%            4%            9%
                             8%           13%            9%           16%           15%
                            31%           24%           35%           42%           31%
                            28%           24%           27%           23%           29%
                            26%           39%           21%           15%           17%
                             9%            0%            8%            4%            9%
                             4%            7%            0%            5%            7%
                            32%           41%           30%           16%           36%
                            34%           30%           42%           42%           24%
                            22%           22%           21%           32%           25%
                            29%           17%           22%           26%           31%
                            46%           41%           40%           45%           46%
                            22%           37%           30%           30%           20%
                             3%            4%            8%            0%            3%
                            33%           20%           25%           35%           41%
                            60%           72%           68%           64%           46%
                             5%            9%            4%            1%           12%
                             2%            0%            4%            0%            2%
                            28%           20%           21%           26%           37%
                            43%           44%           47%           39%           42%
                            22%           28%           21%           35%           17%
                             8%            9%           12%            0%            3%
                            33%           24%           22%           35%           39%
                            52%           48%           60%           57%           44%
                             8%           22%            7%            7%           14%
                             8%            7%           12%            1%            3%
                            27%           24%           23%           28%           36%
                            59%           63%           58%           62%           54%
                             3%            7%            5%            3%            9%
                            11%            7%           13%            7%            2%
                            28%           28%           22%           26%           37%
                            61%           63%           66%           66%           58%
                             3%            4%            3%            3%            2%
                             8%            4%            9%            5%            3%
                            33%           26%           27%           27%           37%
                            50%           52%           48%           50%           49%
                            12%           17%           21%           22%           12%
                             4%            4%            4%            1%            2%
31%   28%   27%   28%   41%
56%   57%   60%   60%   53%
 8%   11%    8%   10%    5%
 5%    4%    5%    3%    2%

 1%    2%    0%    0%    0%
64%   70%   68%   57%   68%
30%   24%   30%   35%   29%
 4%    4%    1%    5%    2%
 0%    0%    0%    1%    2%
 1%    0%    1%    1%    0%




73%   68%   69%   75%   78%
26%   13%   18%   24%   29%
20%   11%   17%   30%   22%
22%   26%   21%   15%   22%
25%   41%   31%   20%   25%
 7%    9%   12%   11%    2%
 1%    0%    1%    0%    0%

 0%    0%    0%    0%    0%
43%   37%   46%   50%   36%
29%   33%   29%   24%   36%
20%   26%   17%   15%   17%
 3%    4%    4%   10%    5%
 1%    0%    5%    1%    0%
 0%    0%    0%    0%    0%

 4%    0%    0%    0%    7%
65%   65%   66%   60%   71%
35%   35%   34%   41%   29%
29%   35%   34%   24%   31%
71%   65%   66%   76%   70%
90%   98%   95%   84%   90%
11%    2%    5%   16%   10%
80%   87%   87%   81%   80%
20%   13%   13%   19%   20%
80%   89%   81%   78%   78%
20%   11%   20%   22%   22%
91%   87%   95%   96%   95%
 9%   13%    5%    4%    5%
46%   28%   37%   59%   59%
29%   30%   32%   24%   25%
12%   25%   16%    9%    9%
 7%   18%    4%    4%    4%
 3%    0%    4%    3%    4%
 4%    0%    7%    1%    0%
57%   43%   45%   58%   57%
29%   43%   33%   30%   30%
12%   13%   15%   11%    9%
 1%    3%    3%    1%    2%
 1%    0%    1%    0%    2%
 1%    0%    3%    0%    0%
16%    18%     7%    24%    20%
13%    13%    14%    20%     7%
 4%    10%     8%     6%     5%
 9%     5%     8%    10%    13%
35%    38%    34%    28%    38%
25%    18%    29%    13%    18%
 8%    15%     8%    13%    14%
22%    20%    18%    30%    13%
33%    30%    40%    28%    39%
19%    20%    16%    17%    16%
14%    13%    10%    11%    16%
 4%     3%     8%     1%     2%



 5%    17%     9%     5%     3%
82%    70%    75%    84%    90%
10%    13%    10%     8%     7%
 3%     0%     5%     3%     0%
 6%    11%     8%     3%     2%
74%    65%    68%    78%    85%
18%    24%    21%    18%    14%
 3%     0%     4%     1%     0%
22%    41%    23%    24%    17%
70%    46%    70%    74%    78%
 4%    11%     3%     0%     2%
 4%     2%     4%     1%     3%
62%    74%    53%    70%    61%
24%    15%    25%    22%    25%
 6%     9%     9%     4%    12%
 9%     2%    13%     4%     2%
11%    26%     9%    11%    10%
44%    41%    51%    50%    59%
 6%     9%     8%     4%     7%
39%    24%    33%    35%    24%
52%    65%    44%    47%    54%
35%    26%    36%    39%    36%
 5%     7%     9%     5%    10%
 7%     2%    10%     8%     0%
 9%     9%    12%     7%    17%
 2%     2%     3%     4%     2%
90%    89%    86%    89%    81%
 0%     0%    11%     0%     0%
 0%     0%     0%     0%     0%
 0%     0%     0%     0%    20%
 0%     0%     0%     0%     0%
15%    25%     0%    20%    20%
 0%     0%     0%     0%     0%

69%    75%    78%    80%    30%
15%     0%    11%     0%    30%
100%   100%   100%   100%     0%
  0%     0%     0%     0%   100%
100%   100%   100%   100%   100%
  0%     0%     0%     0%     0%
33%     0%    100%   33%    100%
        67%            100%            0%            67%             0%
        100%           100%           50%            100%           100%
          0%             0%           50%              0%             0%
        100%           100%           100%           67%            100%
          0%             0%             0%           33%              0%
        100%           100%           100%           67%            100%
          0%             0%             0%           33%              0%
        100%           100%             0%           67%            100%
          0%             0%           100%           33%              0%
        67%            100%           100%           67%            100%
        33%              0%             0%           33%              0%
        22%            22%            20%            24%            32%

         1%             2%             1%             1%             0%
        77%            76%            79%            74%            68%
        73%            80%            74%            60%            73%
        27%            20%            26%            41%            27%
        70%            63%            70%            60%            70%
        30%            37%            30%            41%            31%
        50%            59%            56%            53%            51%
        50%            41%            44%            47%            49%
        61%            63%            53%            53%            59%
        39%            37%            47%            47%            41%
        75%            74%            77%            76%            86%
        25%            26%            23%            24%            14%
        71%            61%            71%            68%            81%
        29%            39%            29%            32%            19%
        36%            39%            43%            50%            51%
        64%            61%            57%            50%            49%
        89%            94%            91%            95%            90%
        11%             7%             9%             5%            10%


131 €          106 €          122 €          166 €          153 €
        14%             7%            17%            16%            15%
        29%            26%            30%            30%            25%
        31%            37%            27%            31%            32%
        20%            22%            21%            19%            19%
         7%             9%             5%             4%             9%
        23%            28%            23%            22%            27%
        26%            33%            23%            30%            32%
        24%            26%            25%            15%            19%
        18%             9%            18%            26%            15%
        10%             4%            10%             8%             7%
         9%             4%            10%            12%            14%
        12%            11%             8%            10%            10%
         9%             9%            12%             4%            12%
        16%            20%            17%            10%            17%
        54%            57%            53%            65%            48%
        14%            15%             8%            12%            19%
        24%            22%            25%            22%            25%
        27%            22%            27%            37%            27%
        26%            33%            25%            23%            25%
        10%             9%            16%             7%             3%
        39%            46%            42%            38%            25%
11%    9%   14%   10%    7%
 9%    7%    9%   14%   10%
22%   17%   20%   23%   24%
20%   22%   16%   16%   34%
79%   67%   77%   87%   76%
 6%   17%   10%    3%   10%
15%   15%   13%   11%   14%
45%   44%   46%   43%   41%
36%   30%   30%   39%   42%
10%    9%   14%    5%    5%
 2%    0%    1%    4%    7%
 5%    9%    4%    8%    2%
 3%    9%    5%    0%    3%
39%   26%   40%   50%   48%
17%   13%   18%   23%   22%
14%   11%   10%   12%   12%
11%   20%    9%    1%    5%
10%   17%    9%    5%    9%
 9%   13%   13%    8%    5%
 3%    4%    4%    3%    2%
 7%   13%    8%    5%    7%
19%    9%   13%   26%   19%
19%   17%   20%   15%   22%
22%   20%   20%   23%   27%
31%   37%   36%   28%   24%
 5%    9%    3%    0%    5%
13%   15%   12%   15%   10%
26%   26%   23%   27%   24%
25%   28%   29%   35%   25%
24%   20%   29%   18%   20%
 7%    2%    5%    5%   15%
 5%    9%    1%    0%    5%
12%   15%   17%   10%    5%
18%   35%   22%   15%   20%
30%   24%   30%   31%   27%
27%   13%   22%   34%   31%
 8%    4%    8%   11%   12%
 4%    9%    7%    4%    0%
14%   13%   16%    8%   14%
13%   11%   17%   15%   20%
13%   11%   12%   14%   14%
13%   22%   17%   12%   12%
43%   35%   33%   47%   41%



26%   13%   26%   31%   39%


31%   59%   29%   27%   24%


9%    2%    16%   8%    7%


20%   11%   18%   24%   19%
14%   15%   12%    10%   12%
22%   37%   26%    30%   24%
35%   30%   36%    50%   46%
43%   33%   38%    20%   31%
45%   33%   49%    47%   53%
55%   67%   51%    53%   48%
75%   67%   83%    81%   76%
26%   33%   17%    19%   24%
90%   87%   91%    95%   92%
11%   13%    9%     5%    9%
64%   70%   64%    55%   59%
36%   30%   36%    45%   41%
85%   80%   90%    84%   85%
15%   20%   10%    16%   15%
71%   67%   75%    74%   81%
29%   33%   25%    26%   19%
78%   72%   82%    68%   70%
22%   28%   18%    32%   31%
76%   78%   79%    61%   78%
24%   22%   21%    39%   22%
95%   94%   94%    95%   95%
 5%    7%    7%     5%    5%
73%   65%   82%    61%   54%
28%   35%   18%    39%   46%
65%   76%   66%    39%   46%
35%   24%   34%    61%   54%
73%   72%   79%    68%   59%
28%   28%   21%    32%   41%
67%   70%   68%    69%   59%
33%   30%   33%    31%   41%
77%   78%   81%    72%   75%
24%   22%   20%    28%   25%
95%   94%   100%   92%   93%
 5%    7%     0%    8%    7%
94%   94%   96%    96%   93%
 6%    7%    4%     4%    7%
70%   70%   77%    55%   53%
30%   30%   23%    45%   48%
97%   96%   100%   96%   97%
 3%    4%     0%    4%    3%
92%   96%   94%    92%   93%
 9%    4%    7%     8%    7%
74%   89%   77%    58%   58%
26%   11%   23%    42%   42%
86%   94%   90%    97%   92%
14%    7%   10%     3%    9%
55+
 %
      17%
       9%
      11%
      19%
      44%
      17%
      61%
      16%
       3%
       3%
      17%
      11%
      34%
      23%
      14%
      17%
       2%
      22%
      38%
      22%
      34%
      47%
      19%
       0%
      39%
      59%
       2%
       0%
      28%
      44%
      23%
       5%
      33%
      47%
      14%
       6%
      33%
      55%
       5%
       8%
      31%
      59%
       5%
       5%
      30%
      53%
      16%
       2%
      33%
      52%
       9%
       6%

       2%
      52%
      36%
       6%
       0%
       5%




79%
      41%
      22%
      17%
      14%
       6%
       0%

      0%
      47%
      22%
      11%
       6%
       3%
       2%

      9%
      69%
      31%
      22%
      78%
      86%
      14%
      88%
      13%
      75%
      25%
      92%
       8%
      59%
      29%
       2%
       5%
       2%
       3%
      70%
      20%
       9%
       0%
       0%
       2%
24%
12%
 3%
 7%
34%
20%
 7%
12%
41%
20%
14%
 7%



 5%
78%
13%
 5%
 8%
78%
13%
 2%
19%
69%
 5%
 8%
50%
31%
11%
 8%
 2%
36%
 8%
55%
48%
33%
 8%
11%
 9%
 2%
89%
 0%
 0%
33%
 0%
 0%
17%

50%
 0%
100%
  0%
100%
  0%
100%
         0%
        100%
          0%
        100%
          0%
        100%
          0%
          0%
        100%
        100%
          0%
        27%

         3%
        70%
        72%
        28%
        66%
        34%
        52%
        48%
        58%
        42%
        81%
        19%
        80%
        20%
        50%
        50%
        84%
        16%


187 €
        20%
        28%
        23%
        20%
         8%
        22%
        25%
        23%
        19%
        11%
        16%
         3%
        11%
        11%
        59%
         9%
        33%
        20%
        30%
         8%
        33%
11%
22%
20%
14%
77%
 2%
22%
47%
36%
 8%
 3%
 6%
 0%
42%
19%
11%
11%
 9%
 8%
 2%
 6%
28%
11%
25%
28%
 5%
14%
28%
30%
20%
 3%
 5%
14%
11%
31%
28%
11%
 0%
11%
14%
14%
11%
50%



38%


16%


11%


13%
23%
22%
38%
41%
58%
42%
80%
20%
95%
 5%
52%
48%
91%
 9%
92%
 8%
66%
34%
81%
19%
97%
 3%
73%
27%
44%
56%
64%
36%
63%
38%
72%
28%
98%
 2%
97%
 3%
59%
41%
98%
 2%
92%
 8%
63%
38%
84%
16%

				
DOCUMENT INFO
Description: Consumer Survey on Credit Card document sample