identity document usage and identity theft in eu
Post on 12-Apr-2017
178 Views
Preview:
TRANSCRIPT
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.2!
Mo?va?on!
• Iden%ty(the2(is(a(big(issue,(but(how(big(exactly?(• What(are(the(financial(and(societal(consequences(
of(ID(the2?(• How(people(change(their(behaviour,(when(they(
have(experienced(ID(the2?(• Does(it(help(to(fight(ID(the2,(if(we(know(what(
people(use(their(iden%ty(documents(for?(
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.3!
Unique!new!data!set!
• New(data(set(for(analysing(ID(use(paLerns,(ID(the2(and(acceptability(of(novel(eID(solu%ons(
• Six(EU(member(states((– AT,(DE,(ES,(FR,(IT,(UK(– and(USA(
• Census(representa%ve(web(survey(among(16U65(year(olds(
• 450+(fully(completed(ques%onnaires(per(country((
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.4!
0%
5%
10%
15%
20%
25%
30%
35%
40%
AT DE ES FR IT UK US
% o
f res
pond
ents
Misuse or attempted misuse of
personal information within the last 36 months
Other misuse of personal information, such as application for new ID document or gov benefits New accounts or contracts, such as credit card, bank account or e-mail
Other existing accounts, such as telephone, utilities, insurance policies
Existing Internet accounts, such as e-mail, social network, online shopping
Existing bank or other financial accounts
Existing credit cards
Multiple different incidents
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.5!
0%
2%
4%
6%
8%
10%
12%
14%
16%
18%
20%
AT DE ES FR IT UK US
% o
f res
pond
ents
Misuse or attempted misuse of
personal information within the last 12 months
Other misuse of personal information, such as application for new ID document or gov benefits New accounts or contracts, such as credit card, bank account or e-mail
Other existing accounts, such as telephone, utilities, insurance policies Existing Internet accounts, such as e-mail, social network, online shopping Existing bank or other financial accounts
Existing credit cards
Multiple different incidents
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.8!
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
AT DE ES FR IT UK US
% o
f res
pond
ents
who
kno
w th
e du
ratio
n of
mis
use
How long had your personal information been misused before you discovered it?
One year or more
Six months to less than one year
Three months to less than six months One month to less than three months At least a week, but less than one month (7-30 days) More than a day, but less than a week (25 hours-6 days) One day or less (1-24 hours)
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.9!
Someone hacked into my computer or it was infected with
a virus 23%
Someone stole it during an in-person
purchase / transaction
19%
I responded to a fraudulent email or
phone call 13%
Someone stole it during an online
purchase / transaction
11%
Someone close to me knew or had
access to the information
9%
Stolen from a company that had
my personal information in its files
8%
Someone stole it from my postal mail
4%
My mobile telephone or computer was lost or stolen
4%
My passport or identity card was lost or stolen
3%
Someone stole it from my garbage
3%
Stolen from personnel files at place of employment
2%
A government office released my information or document
to the wrong person 1%
How do you think your identity document or personal information was accessed or taken?
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.11!
How!big!issue!is!ID!theP!financially?!
• The(value(of(the(money,(goods(or(services(obtained(by(criminals(will(be(ca(12U16(bEUR(in(2015(in(EU28(– around(7U9(bEUR(in(the(USA(
• 15U20%(of(the(ID(the2(cases(involve(direct(financial(losses(
• The(euro(value(obtained(by(thieves(varies(from(less(than(10(euros(to(tens(of(thousands(of(euros(per(case(– average(>(1000(euros(– median(<(500(euros(
(Lu2hansa(market(cap(=(5(bEUR)(
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.12!
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
AT DE ES FR IT UK US
% o
f res
pond
ents
, who
hav
e su
cces
sful
ly
solv
ed th
eir f
inan
cial
or c
redi
t pro
blem
s How long did it take you to clear up all of the financial and
credit problems associated with the misuse after you discovered it?
One year or more
Six months to less than one year Between three and six months
Between one and three months At least a week, but less than one month (7-30 days) More than a day, but less than a week (25 hours-6 days) One day or less (1-24 hours)
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.13!
0%
10%
20%
30%
40%
50%
60%
70%
Medical care, new contracts or
identity documents
Existing contracts, e.g.
telephone, utilities, insurance
New accounts or contracts, e.g. Internet, credit
card, loan
Existing bank account
Existing credit card
Existing Internet account
% o
f vic
tims
of ID
thef
t
Did you file a police report about the misuse of your personal information? Yes
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.14!
I change my password(s) or PIN
code(s) more frequently
17%
I use better passwords that are more difficult
to guess 15%
I am more careful about sharing my
personal information 11%
I changed my banking details / credit cards
10%
I review my financial statements more
carefully 9%
I limit the access to the information I publish on
social media, e.g. Facebook
9%
I use better security software for my computer
7%
I check my credit report regularly
5%
I shred personal documents before disposing of them
5%
I use better security software for my mobile telephone
3%
I changed my telephone number(s)
3%
I lock my mailbox 2%
I changed my passport or identity card
2%
Other, please specify! 1% I changed my place of
residence 1%
As a direct result of the misuse or attempted misuse of your personal information, in what ways has your behaviour
changed?
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.15!
Iden?ty!and!security!
• Government(issued(iden%ty(documents(• Private(services(
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.16!
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Birth certificate Passport Identity card Driver's license
% o
f res
pond
ents
who
are
ver
y co
nfid
ent o
r con
fiden
t, un
deci
ded
excl
uded
How confident are you that your current identity documents,
which the government has issued to you, are secure both in terms of their design and how they are actually issued?
AT
DE
ES
FR
IT
UK
US
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.17!
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Bank account Credit card Mobile phone Private e-mail Facebook
% o
f res
pond
ents
who
are
ver
y co
nfid
ent o
r con
fiden
t, un
deci
ded
excl
uded
How confident are you that the following services,
which you have yourself signed up for, are provided in a secure manner so that you are protected from any potential misuses?
AT
DE
ES
FR
IT
UK
US
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.20!
The!adop?on!of!eID!remains!uneven!in!EU!
• Spain((65%(of(popula%on)(and(Estonia((90%)(well(ahead(• Slow(takeUup(in(Germany((35%)(and(Italy((12%)(• No(eID(in(a(number(of(member(states(
(
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.21!
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
On-line banking,
payments or investment
Purchasing goods or
services on-line
On-line services of the national government
On-line health or medical services
On-line services of the regional
or local government
Access to corporate network of
your workplace
% o
f res
pond
ents
, w
ho h
ave
elec
tron
ic ID
car
d Spain: How often do you use your identity card to authenticate
yourself electronically for the following services?
Never
Less than once a year
Once or twice in a year
Multiple times in a year
Monthly
Weekly
Daily
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.23!
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Passport and fingerprint checked
with a special device
Electronic ID card and secret PIN
code
Electronic ID card and fingerprint checked with a special device
Mobile phone with a special SIM card
and secret PIN code
Mobile phone and fingerprint checked
with built-in fingerprint reader
% o
f res
pond
ents
who
agr
ee, u
ndec
ided
exc
lude
d
I would be willing to use the following to authenticate myself for secure Internet services, e.g. government or bank services
AT
DE
ES
FR
IT
UK
US
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.24!
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
AT DE ES FR IT UK US
% o
f res
pond
ents
I prefer to sign documents electronically rather than on paper, if both options are available
Strongly agree
Agree
Undecided
Disagree
Strongly disagree
FP7%EKSISTENZ! Marseille,!15!September!2015!!P.25!
Conclusions!
• Direct(financial(value(obtained(by(ID(thieves(will(total(at(12..16(bEUR(in(2015(in(EU28(
• Main(targets(of(ID(the2:(exis%ng(Internet(accounts(and(credit(cards(
• ID(the2(involving(government(issued(iden%ty(documents(is(rela%vely(rare(– However,(such(ID(the2(may(poten%ally(lead(to(severe(and(longUlas%ng(consequences(for(the(individuals(involved(
• Ease(of(use,(and(trust(in(government(issued(IDs(are(the(key(to(widespread(adop%on(of(eID!(
top related