This research finds that 9 out of 10 consumers are concerned about their personal information being publicly available online. These worries are not without foundation: a fifth of respondents to our survey have been a victim of identity theft. With 87% of victims in our research having had money spent fraudulently in their name, this is a growing issue with important financial consequences.

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WBW:Workwear|June2013
©2013Conlumino
DATA SECURITY
RESEARCH
CONLUMINO & AFFINION
OCTOBER 2014

2. DATA SECURITY
RESEARCH
CONLUMINO AND AFFINION

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3
© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security report
Data security
Prepared for Affinion | October 2014
Affinion International Ltd
50 Charter Court, Slough, Berkshire, SL1 2EJ
01753 753338
sales@affinioninternational.com
www.affinioninternational.co.uk
Conlumino
7 Carmelite Street, London EC4Y 0BS
020 7936 6654
hello@conlumino.com
www.conlumino.com
Shopping, keeping up with friends and sharing information is a way of life. Yet as we increasingly
do more of it online, with the freedom and convenience of the internet comes the increased risk
of fraudsters using new techniques to get their hands on our personal details.
Our research looks at this issue and finds that 9 out of 10 consumers are concerned about their
personal information being publically available online. These worries are not without
foundation: a fifth of respondents to our survey have been a victim of identity theft.
With 87% of victims in our research having had money spent fraudulently in their name, this is a
growing issue with important financial consequences .
We hope you find the research interesting. If you have any comments or queries please do feel
free to get in touch.
About Affinion International
Affinion International, a division of Affinion Group, provides a wide range of protection and lifestyle products that
offer value to consumers whilst building additional revenue streams and increased customer-to-brand loyalty and
engagement for its partners. The division is made of more than 1,200 employees and offers services in 17 countries
throughout Europe, Africa and South America. Over the past 15 years, Affinion International has built an
impressive client base that includes 13 of the top 20 EU banks and many of Europe’s premier brands in travel and
retail. For more information, visit www.affinioninternational.co.uk
Contact details

4. Data security report
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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Key findings in brief
• The growth of online has not assuaged consumer security concerns. Indeed, the
greater use of online payments and information sharing appears have to heightened
worries.
• Mobile payments are creating additional concerns; paying with details stored on a
mobile device is the payment method consumers are most worried about.
• A huge 9 out of 10 consumers are now concerned about their personal information
being publically available online. Even more worry that it could be used by fraudsters.
• Concerns are not without foundation: a fifth of respondents have been a victim of
identify theft, with just shy of 4% having been a victim multiple times.
• In 87% of cases, victims had money spent fraudulently in their name; 40% had over
£500 spent in their name.
• While most people manage to recoup any losses from fraudulent spending, almost 9%
said that they lost money as a result with the average loss a high £2,100.

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Summary
Payment concerns still dominate
Despite the fact that ordering products online is now fairly commonplace and widespread, there are still
concerns about making payments online. As a result, consumers are less likely to use debit cards for online
payments, preferring instead to opt for credit cards and online payment services such as PayPal.
High concern over mobile payments
The era of mobile payments has done little to ease consumer concerns, indeed, if anything it has heightened
them. Of all payment methods, paying with card or account information stored on a mobile was the one that
made consumers most nervous.
90% worry about security of personal information online
Concerns over payments are part of a wider worry around personal information being available online. 90% of
consumers are concerned about their information being publicly available with the highest concern being
among the more tech-savvy 18-24 year olds. Separately, around 92% of consumers have concerns about
fraudsters getting access to their financial information, with almost all over 65s having at least some worries
about this.
Apathy about protection
Despite these concerns around 13% of consumers admit that they do nothing whatsoever to protect their
information whilst online, this rises to 26% among 18-24s. Some 64% say that they use very strong passwords
to protect information and data, but 19% do this and nothing else. This means that, in total, almost a third of
consumers do nothing or only use strong passwords.
Younger groups more lax
Despite high numbers having concerns about online information, younger consumers are more lax when it
comes to protecting information. Over a quarter do nothing to protect their information online.

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Summary
Identify theft
A fifth of respondents have been a victim of identify theft, with just shy of 4% having been a victim multiple
times. In 87% of cases, victims had money spent fraudulently in their name; 40% had over £500 spent in their
name.
Alerting tends to be passive
Although 41% of consumers were alerted to the fraud by their banks, many consumers found out in a more
passive way. Just over 46% found out by spotting something irregular on a statement or credit report.
Over a third would have valued a victim of fraud service to help
resolve their incidents
Although most victims of fraud found it relatively easy to resolve the situation, just under 15% found it hard to
solve the issue. Even with a majority of consumers finding it easy to remedy the problems, a fifth of victims
said that it took three months or more to completely resolve everything. 16% used a service to help them
resolve the incident, but a further 38% said they would have valued such a service.
Personal losses
While most people manage to recoup any losses from fraudulent spending, almost 9% said that they lost
money as a result. The average loss was a very high £2,100. 18% of those seeing losses lost between £5,000
and £9,999.

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Payment types used
Which of the following have you used to pay for goods and services?
All figures are percentages over the past year
Debit cards are the most popular online payment method
Method Online Phone In person
Debit card 76.3 66.1 86.1
PayPal 75.4 n/a n/a
Credit card 59.9 46.2 57.0
An online account, e.g. iTunes 49.6 n/a n/a
Bank transfer 45.0 7.2 6.4
Store card 6.4 3.7 12.8
Cash n/a n/a 88.0
Prepayment style card 3.9 2.6 5.9
Electronic payment service such as PingIt 3.3 0.9 n/a
Cheque n/a n/a 43.4

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Concerns with payment methods
How concerned are you about the security of each method?
All figures are scores out of 5 where 5=very concerned and 1=no concern at all; average scores for each measure are shown
Contactless cards, paying over the phone and paying with card information held
on mobiles are all areas of high concern for consumers
1.8
2.3
2.5
2.6
2.7
3.0
3.2
3.4
3.6 3.7
Cash Bank transfer PayPal A card with a PIN
number at a shop
An online
account e.g.
iTunes, Amazon
A credit card over
the internet
A debit card over
the internet
A contactless
card
A card by giving
the details over
the telephone
A card or account
where
information is
stored on your
mobile phone
No
concern
Little
concern
Some
concern
Higher
concern

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Concern about details online
How concerned are you about your personal details being
available publicly online?
All figures are percentages
Nine out of ten people are concerned about their personal details being
available publicly online; concern is highest among the 18-24s
Segment Concerned
Extremely
concerned
All concerned
Male 64.2 25.0 89.2
Female 63.6 23.7 87.3
18-24 64.7 26.0 90.7
25-34 56.6 20.0 76.6
35-44 68.2 20.7 88.9
45-54 70.2 18.0 88.2
55-64 60.4 26.7 87.1
65+ 60.1 31.7 91.8
AB 62.9 28.4 91.3
C1 64.7 24.8 89.5
C2 68.7 20.9 89.6
DE 63.2 27.4 90.6
25.0
64.2
6.8
4.0
Extremely
concerned
Concerned Not concerned
at all
Not sure

10. Data security report
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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Concern about fraudsters
How concerned are you about fraudsters illegally obtaining your personal
and financial information to obtain goods and services?
All figures are percentages
92% are concerned about fraudsters getting financial information; almost all
over 65s are concerned
Segment Concerned
Extremely
concerned
All concerned
Male 66.4 25.3 91.7
Female 66.6 27.0 93.6
18-24 60.0 21.7 81.7
25-34 67.4 23.1 90.5
35-44 72.1 18.7 90.8
45-54 63.4 27.9 91.3
55-64 63.9 31.7 95.6
65+ 67.7 30.1 97.8
AB 64.5 26.8 91.3
C1 69.4 23.1 92.5
C2 67.9 26.4 94.3
DE 66.3 27.5 93.8
26.2
66.5
4.3 2.9
Extremely
concerned
Concerned Not concerned
at all
Not sure

11. Data security report
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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Risks
Where do you think you are at the highest risk of being a victim of crime by
having your personal or financial details stolen?
Respondents were asked to rank the five things in order of the risk they posed with 1 being the highest risk and 5 being
the lowest risk.
Theft of bank cards is seen as presenting the highest risk of having personal or
financial details stolen
Method
Average rank
‘score’
1= highest risk
% ranking as
number 1
(highest risk)
Theft of your
bank cards
2.5 40.1%
Using your home computer/laptop
to shop and share information online
2.7 17.9%
Using your mobile to
surf and shop
2.8 21.8%
Using your credit card
in a shop
3.3 9.7%
Using an online account
such as Amazon or iTunes
3.7 10.2%

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Withdrawing cash
How many different cards do you use to withdraw cash from ATMs?
All figures are percentages
On average, people have 1.5 cards that they use to withdraw cash; most have one,
a quarter have two, and 11% have three or more
60.7% 25.1% 8.5% 1.4% 0.4%
+
0.5%
Just one Two Three Four Five More
Residual is made up of those who do not have cards or who do not withdraw cash

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Frequency of shopping online
How frequently do you shop online, i.e. actually buy things?
All figures are percentages
A quarter of consumers buy things online at least once a week; this rises to a
third for 25-34 year olds
Segment Daily Weekly Fortnightly Monthly Yearly
Male 2.4 23.1 18.9 29.6 20.9
Female 1.2 23.7 17.3 30.9 19.4
18-24 0.0 30.0 25.0 25.0 13.3
25-34 4.2 29.6 21.7 28.0 10.7
35-44 0.9 24.4 20.9 34.2 16.8
45-54 1.2 23.8 17.2 34.0 19.5
55-64 1.4 19.4 14.4 29.8 25.8
65+ 0.0 17.1 14.0 28.1 31.2
AB 2.4 27.4 22.0 28.4 14.9
C1 1.0 24.9 18.7 33.1 17.4
C2 0.9 21.7 18.9 33.0 21.7
DE 1.4 19.7 14.9 29.7 25.0
1.7
23.4
18.0
30.3
20.1
4.8
1.7
Daily Weekly Fortnightly Monthly Several
times a year
Rarely Never

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Protection measures
When shopping and sharing information online, which of the following security
measures do you use to protect your personal information?
42% of consumers do not use online protection software
All figures are percentages
64.0
43.7
33.6 32.0
13.5 13.0
10.1 9.2
Strong passwords for
your accounts
Software or PIN sentry
provided by your bank
to secure your
payments
Changing your
passwords regularly
Anti-phishing online
protection software
Anti-keylogging online
protection software
Identity theft protection
product
Online data monitoring A regular review of your
credit report

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Protection measures by age
Percentage of consumers who do not take any steps to protect their online
information
Younger age groups are far more lax about protecting online information
All figures are percentages
13.0 13.6
26.3
19.9
16.3
9.0
10.1
7.1
15.3
13.3
8.7
12.4
Male Female 18-24 25-34 35-44 45-54 55-64 65+ AB C1 C2 DE

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Identity theft
Have you ever been a victim of identity theft?
A fifth have been a victim of identity theft, almost 4% more than once
All figures are percentages
Segment Yes, once Yes, more No
Male 15.0 4.2 80.8
Female 16.0 3.5 80.5
18-24 6.7 5.0 88.3
25-34 19.1 5.2 75.7
35-44 13.6 4.1 82.3
45-54 15.1 3.2 81.7
55-64 16.1 2.1 81.8
65+ 13.8 3.9 82.3
AB 16.3 6.2 77.4
C1 16.6 4.0 79.4
C2 13.2 3.8 83.0
DE 14.2 2.0 83.8
15.6
3.8
80.6
Yes, just once Yes, more than once No

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Identity theft: costs
When you were last a victim of identity theft, was any money spent
fraudulently in your name?
The vast majority of victims had money spent fraudulently in their name
All figures are percentages
13.1
47.1
17.3
13.1
5.8
1.6 1.6 0.5
No Yes, under £499 Yes, £500-£999 Yes, £1,000-
£4,999
Yes, £5,000-
£9,999
Yes, £10,000 to
£49,999
Yes, £50,000 to
£99,999
Yes, £100,000 or
more

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Identity theft: alerts
How were you alerted to the identity theft?
Over a third were alerted through irregular transactions on statements
All figures are percentages
40.7
33.5
8.5
6.4 6.2 6.2 5.9
I was informed by my
bank
I found something on my
bank statement
I was informed by the
company through which
the goods had been
purchased
Through a store statement I found something on my
credit report
I was informed by a mail
order company, phone
company
I was informed by the
police

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Identity theft: resolving
Resolving the identity theft
Almost a fifth said it took 3 months or more to resolve the situation
All figures are percentages
41.1
42.7
10.4
4.2
1.6
Very easy Quite easy Quite difficult Very difficult Not sure
38.3
42.5
12.4
3.1
1.6 2.1
Straight
away
Under a
month
About 3
months
About 6
months
About a
year
More than
a year
How easy was it for you to
resolve the situation?
How long did it take you to
resolve the situation?

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Identity theft: losses
Did you manage to recover all of the losses?
Almost 1 in 10 lost money from the fraud, with an average of £2,100 lost
All figures are percentages
Did you manage to recover
all of the losses?
How much did you end up
losing?
No
8.8%
Yes
91.2% Under
£499,
43.6%
£500
to
£999,
25.0%
£1,000
to
£4,999,
12.5%
£5,000
to
£9,999,
18.4%
£10,000+,
0.5%

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Identity theft: using services
Did you use a victim of fraud service to help you resolve the incident?
16% used a service to help them resolve the incident, but a further 38% said
they would have valued such a service
All figures are percentages
15.5
37.8
46.6
Yes No, but I would have valued one No, I did not and would not have
valued one

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security
Prepared for Affinion | October 2014
Opinions on data security
How strongly do you agree or disagree with the statements
64% agree that they are now more vigilant regarding personal and financial
information.
All figures are percentages
I worry how much of my personal
and financial information is available online
20.1 43.5 26.8 8.1 1.5
I do not feel totally in control of my own
personal and financial information 10.1 32.1 34.3 18.4 5.1
I think banks do a good job of
protecting me against identity fraud 9.9 40.9 39.5 7.1 2.6
I do not like the idea of using
my cards abroad 18.1 25.1 34.1 17.6 5.1
I think it is quite difficult for other people to
steal my personal & financial information 3.7 17.9 45.8 24.2 8.4
Strongly agree Agree
Neither agree nor
disagree
Disagree Strongly disagree
Net agree:
63.6%
Net agree:
24.2%
Net agree:
50.8%
Net agree:
43.2%
Net agree:
21.6%
I am much more vigilant than I used to be
regarding my personal & financial information 21.8 42.2 31.5 3.51
Net agree:
64.0%

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© 2014 Conlumino
hello@conlumino.com | 020 7936 6654
Data security report
Data security
Prepared for Affinion | October 2014
Methodologies and sources
• Consumer research in this report is based on a survey conducted with a UK
nationally representative poll of consumers. 2,002 consumers were
interviewed during August 2014 and questioned about data security.
• Unless otherwise stated, all sources of information are derived from
Conlumino’s own research and should be referenced to Conlumino/Affinion.

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WBW:Workwear|June2013
©2013Conlumino
Conlumino
020 7936 6654
hello@conlumino.com
7 Carmelite Street, London EC4Y 0BS
Affinion International Ltd
01753 753338
sales@affinioninternational.com
50 Charter Court, Slough, Berkshire, SL1 2EJ