Betalningsmedel & dess risker
Today you can pay in many different ways. You can for instance use cash, credit cards, internet and now even with your mobile phone. Today we can also see new types of technical payment solutions being developed, such as Near Field Communication (NFC), mobile banking or through the use of QR-codes. We have today many different payment methods; therefore it?s interesting to see which payment method people prefer the most. The use of different means of payment is not entirely risk free. Risks such as skimming and phishing have lately received much attention in the media, where you can read about people who had their credit card information stolen and lost their money. Therefore, we have chosen to study what kind of risks people experience in the use of the different payment methods, and which method they prefer to use. To find this out, we have created a survey that helps us to see how people think around these questions. From the survey we found that the majority preferred credit card, while only 5% preferred to use their mobile phone to make payments with. We believe that this may be because mobile payment still is very new in Sweden, which we also can see from our survey, where 32% of the respondents answered that they had tried it. However, in our survey we can see that 44% of all the respondents are willing to use their mobile phones as a payment method in the future. This indicates that this kind of payment method probably will be more common in the future. What we also have seen from our survey is that there are many different types of risks among the various payment methods. Where the situation sometimes is a factor, or how technical experienced the user is. But we also found that the age seems to have a significant role in how they perceive risks. To make it easier to get an overview of the risks that we have found, we categorized them in the following categories: physical management, information management, malware, rogue actors and technical problems.