D3.1 details how citizens have become more and more aware of internet risks and have changed their habits because of security concerns. For example, many now do not give out personal information or open emails from unknown sources. Internet awareness is increasing in proportion to new infrastructures and service provisions. However, it is worth noting, there are considerable variations between countries and socio-demographic groups with regard internet access, expertise and threat awareness. Social media and email accounts are very often the entry points for fraudsters seeking to access online services in the name of targeted individuals.
As detailed in D3.2, the financial consequences of identity theft can be extremely severe. The financial costs of identity theft comprise direct, indirect, defense and societal costs. Direct costs are the monetary equivalent of all loses and damages associated with identity theft. Indirect costs are those incurred be enterprises due to any fall in eCommerce caused by the threat of identity theft. Defence costs are those accrued by the purchase and installation of anti-identity theft software. And societal costs are the effects of this criminality on wider society.