60% Abandonment, 52% Concern: America's Fraud Protection Challenge
The 2026 USA Consumer Trust, Fraud & Authentication eBook draws on new Outseer research with 1,005 consumers in the USA, part of a broader seven-market study of 7,029 consumers. The report examines how American consumers experience fraud, scams and authentication, and what those experiences mean for financial institutions competing on trust, protection and digital experience.
Whatdo American consumers expect from fraud protection?
US survey respondents expressed significant concern about card fraud and account takeover, with 52% very or extremely concerned about fraud using stolen card details and 49% saying the same about account takeover. At the same time, they expect security to be relevant to the risk, not a barrier to everyday digital payments.
The findings show how fraud exposure influences consumer trust, how protection failures can damage confidence, and why poorly timed authentication can lead consumers to abandon online purchases. 39% say fraud or scams have reduced their trust in a financial provider, while 60% have abandoned an online purchase at least once because security was difficult, slow or confusing.
What you’ll learn
- How card fraud, account takeover and scam concerns are shaping consumer expectations
- Why fraud exposure affects trust in financial institutions, with 58% experiencing card-details fraud directly or through someone close to them
- How fraud and scam experiences influence customer confidence and relationships with financial providers
Strengthen trust with proportionate protection
Use the USA findings to understand where consumers expect stronger safeguards, where fraud exposure affects trust, and how financial institutions can reduce unnecessary friction while applying the right protection at the right moment.