Overview

Even as concern about privacy, fraud, and data breaches is saturating America, consumers continue to be reluctant to adopt strong security behaviors. While several factors are often cited for this trend — friction, lack of trust, avoidance of change — one core problem drives all of them. The current financial environment removes both the benefit of strong security and the cost of weak security from the eye of the consumer. Effective implementation of gamification can help change this trend by building consumers’ ability and motivation to act securely.

Primary Questions:

  • How do consumer actions and attitudes on security compare?
  • How does the current financial environment drive consumer security decisions?
  • How can institutions improve security behaviors among their customers?
  • What role can gamification play in changing behavior?


Methodology

Consumer data in this report is based on information gathered from several Javelin surveys administered in 2013 and 2014. Data was gathered and weighted to reflect a representative sample of the general U.S. population.

  • A random-sample panel of 5,634 respondents in a November 2013 online survey. 
  • A random-sample panel of 3,200 respondents in a November 2013 online survey. 
  • A random-sample panel of 3,225 respondents in a June/July 2014 online survey. 
  • A random-sample panel of 5,000 respondents in a November/December 2014 online survey.