I often hear statements that the risk of losing your identity or being a victim of fraud is much higher online than offline. From my point of view it is more about the feelings of the consumer: In the real world, we know the risks â€“ at least we learned them over the ages from our parents and we learned to live with them. For the average consumer, the Internet is probably 10-15 years all and there is no common sense yet. There is no â€œwe learned to live with the risksâ€ â€“ yet.
We published a paper called(this link point to the more secure version in XPS but if you want pdf, ), which I think is worth looking at. If you want to leverage it, feel free.