Shifting the Blame? Investigation of User Compliance with Digital Payment Regulations

Abstract

The world is becoming increasingly connected and networked (Scheerder, van Deursen, & van Dijk, 2017). Every year, more people have access to the Internet. The International Telecommunication Union (ITU), a United Nations specialized agency for information and communication technologies, estimated that by the end of 2019, 4.1 billion people-53.6% of the global population-were connected to the internet (ITU, 2020). In comparison, 10 years ago in 2009, only 25.8% of the global population had Internet access. And not just the number of connected people increases, also the types and number of tasks that people perform online tend to increase, from social and commercial to governmental activities. A particularly interesting development is the use of digital payments over cash transactions. According to the World Payments Report 2020 by Capgemini and BNP Paribas, digital payment transactions grew with 14% to 708.5 billion transactions from 2018 to 2019. Examples of digital payments include credit card transactions, debit card transactions, e-wallet transactions, and online banking transactions.With an increased use of digital payments, the security of such payments has gained in importance. In addition to an increase of legal online activities, we have also been seeing an increase in illegal online activities. Criminals realized the potential of digital crimes and the cost of cybercrime has been rising ever since. According to the Center for Strategic and International Studies & McAfee, cybercrime is now costing the world almost $600 billion annually (Lewis, 2018). As a result, cybercrime is now globally the third biggest economic crime, just behind government corruption and narcotics. In the Netherlands-the country in which the presented study was executed-cybercrime is now the most common type of crime. In 2019, 13% of citizens reported victimization of cybercrime . The two most S. Van Der Zee ( )