The 2026 UK Consumer Trust, Fraud & Authentication ebook draws on new Outseer research with 1,005 consumers in the United Kingdom, part of a broader seven-market study of 7,029 consumers. The report examines how UK consumers experience fraud, scams and authentication, and what those experiences mean for financial institutions competing on trust, protection and digital experience.
What do UK consumers expect from fraud protection?
UK survey respondents show that fraud protection is now closely tied to trust, complaints and digital experience. Impersonation and support scams had the broadest reach, with 49% experiencing them personally or through someone close, while 57% believe the sending bank, receiving bank or both should reimburse scam losses.
At the same time, consumers expect security to be proportionate to the risk. The findings show where fraud prevention influences provider choice, how scam and fraud events can damage confidence, and why poorly timed authentication can cause customers to abandon online card purchases.
With 64% of surveyed UK consumers having abandoned an online card purchase because security was difficult, slow or confusing, the challenge for financial institutions is to protect customers without disrupting legitimate activity.
Download the ebook to learn:
- Why impersonation and support scams have the broadest reach
- How APP scams create pressure for sending and receiving banks
- Why fraud events quickly become trust and complaints issues
- Where security friction is causing purchase abandonment
- How banks can make authentication more contextual and proportionate
Strengthen trust with proportionate protection
Use the UK findings to understand where consumers expect stronger safeguards, where friction creates risk, and how financial institutions can apply the right protection at the right moment.