The tension between security requirements and user convenience forms the central challenge of modern authentication strategy. This report explores how demographic factors and individual preferences shape consumer attitudes and behaviors toward authentication methods. It provides recommendations for how organizations can reimagine their customer authentication journeys, tailoring them to the unique needs of consumer personas to keep clients happy and attract new ones while protecting their security.

Findings in this report come from a Q2 2024 Datos Insights survey of 1,026 consumers in the U.S., 1,022 consumers in the U.K., and 428 consumers in Singapore in Q2 2024 to understand attitudes toward the impact of fraud and authentication on the customer experience. Datos Insights also examined U.S. consumer behaviors and attitudes across several dimensions via a balanced survey of a sample of consumers to develop the consumer personas developed for and detailed in this report.
Clients of Datos Insights’ Fraud & AML service can download this report.
This report mentions MIT.
About the Author
Jim Mortensen
Jim Mortensen is a Strategic Advisor in Datos Insights’ Fraud & AML practice, covering identity, fraud, and data security issues. Jim has been in the financial services industry for over 30 years, delivering fraud prevention, identity verification, and credit underwriting solutions to top-tier financial institutions both domestically and internationally. Through his experience in the industry, he has developed a substantial...