2006 CONSUMER SURVEY By Susan Sproule and Norm Archer

103 Pages·2013·2.66 MB·English

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eRC
McMasteeBru snie sRse searCcehn tre
MEASURINGI DENTITTYH EFTI NC ANADA:
2006C ONSUMER SURVEY
By
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SusanS proulaen d NorAmr cher
[email protected]
[email protected]
McMasteerB usinesRse searcChe ntr(eM eRC)
DeGrootSec hooolf B usiness
MeRC WorkinPga perN o.2 1
Januar2y0 08
Innis
HF
5548.32
.M385
no.21
MEASURINGI DENTITTYH EFTI NC ANADA:
200C6O NSUMERS URVEY
By
SusaSnp roualnedN ormA rcher
MeRCW orkiPnagp e#r2 1
January 2008
©McMasteeBru siRneessesa Crecnht (rMee RC)
DeGroote oSfBc uhsoionle ss
McMastUenri versity
HamiltOonnt,a rLiSoS4, M 4
Canada
[email protected] ter
[email protected] ter
NOT:E TAhpep eincdreesfe rtroie ntd h is
documceonnttt abailnea nsd fisg uwrieth detailed
informafrtoimtho en2 00c6o nsusmuerrvT ehye.
apepndiacreaesv abilloeanr equfreosmtt h aeu otrhs
ata recrh@mcmaasntsdep rr ouls@mcmaster.
EXECTUIVSEU MMARY
Thiisasr epoonra nt a tiaonnaalloy fcs oinss uimdeernt thieatftny d frianCu adn audnad,e rtaken
inl a2t0e0 b6yM cMasUtneirv e'rDsse irGtoyoStceh ooofBl u sisnsoe,nb heaolfft hOen tario
ReesarNceht woforrEk l cetroCnoimcm e(rOcRNe EC)O.RNE C fuinsd ebdyt hOen tario
Resrecaahn Dde velopCmheanltlF eunngidenp artnewristthhhUi enp i vseirtoifOe tst awa,
McMasCtaerrl,ae ntQdou ne ne'asn lde adcionrgp opraarrttesna ,en dt hifoesc al point and
drivfoirncfoger e ltercocnoimcm errecsreec iahnO ntraiCoa,n aadnaid n teornnaatlily.
Thseu rvweaycs o ndutchtreodau nIg nht eprnaentbe yOl p eVneu nea,p rofensasmlia orket
resrecah fiOrpme.n Vpernouvei1 5d,0eod0ft hsema plfreo mt hefriarm oef4 00,I0n0t0e rnet
usesrosu rfrcoemtd h Sey mpiactoN..McSpao rtTahlesy.bu -ocnrtacttherede maipnoirntgoi fo n
thsea mpfrloem paa npealr tTnhetero .tn aulme bro fr espownas3se 5s5 R0e.s ponwdeernet s
screenmeadkse u trtoeh e avte rreyos npdewnats1 8ye aorros l daenrhd a adt loenacesr tec dairtd
anbdna ka cucnoTth.s em aplwea tsa rgteobt eer de prteasteoinftv heCe a nadpioapnu lation
(exclQuudbeienscgi ntchese u rvweayas v laaibolneli ynE ngloinsg he)n daegrae,n d four
gegoraprheigncis. To hewreer neot argoerqt uso toanqs u estiocnonmapilreet ion.
Afterre movrienosgnp dewnhtohs a mdo rteh atnw ion coennsrtie sstpotnots hees stuhrev ey,
correscatmepsdli ez e3 5w3a1s97 .1o f0t h erseeos npdernetpso artlt eeados ntie n ciodfe nt
identthie(tftIy D oTri) d enfrtaiut(dyI DaFg)a itnhsetm seolrsv oemse oinn et ihmemierd iate
familiynt hper evifiovues y.e ars
Thewreer fiev see ctiinto hnsesu rvey
Par1t D enfiinigd entthieatftny id d enfrtaiutdy
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Par2t I ncidreantcees
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Par3t C harascttioecfirs di entthieatftny id d enfrtaiutdy
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Pa4r tC oncearnbsoi udte ntthieatftny d idfreanutdi ty
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Par5t Attittuodweapsrr desv enmteaatsiuvree s
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A detmaeitldheoodl ogriecvaile ws taantdia sntailwcyaaspslie sr foromnet dhd ea tTah.e se
appera dient ianti hle reAlptohrotaun. gu hme bro ft hfien dihnagvsbe e eonm itfotreb dr evity,
heraert eh mea ifinn difrnogmst hseuv rey:
Par1t D efiniIndnget iTtheyf atn Idd netiFtrya ud
-
Beforgei vianndyge finiotfii doenn tthieotftryfr aurde,os npdewnetrpser eenstael dio sf1t 3
scnearsia,on ads kteoid n diwchaitsceehc n aorswi ercea soefis d entthietAftyl. ol ft hese
scenariionsd iwcbeayrat etle edas sotmr ee osnpdetnobt esc asoefis d entthietiftyn, c lutdrhieneg
thwaotu nlodnt o rmablecl lya sassie dde ntthietftyfr aourdI .ng enefirnaaln,ca insadtl r anger
frauwdesr pee rcetiobv ece ads eisd eontfth ieotftryfr aumdo roeft etnh anno finn-ancainadl
frienfrdauldy.sT hedried anpopte abrea tpoa tatsfae rarn sw hetthhecera sdee scrait bheedft
onlayfr ,a uodn loyrb otthh eaftn frda u.Td hearleds iod sneoettmob eap attweirntr he spteoc t
accounvte-rlsieudvesen llt eivtteyhl-eo ftr fra(uBde.c aaucsceo ucnabnte sc loasnedd new
acocunctrse atthededa ,m ages resublrteiaoncrtgh h eifrftno vmo laov nilanycg c ount-level
informoanat rigee nerally tshmoaaslsseloi ecartw etidhti had ne nlteivtbeyrl-e acohrtee hsft. s)
Ourc oncliutssh icaootn n sutmeentrdost hink iadbeontuthtie atftny id d enfrtaiutadysa
cobminatthihaoatncs o mteom eaanp proxitmhaseta emtlehy i ng.
Par2t I ncidReantcees
Wed esnietgdh qeu esotnii onnc identcoce a prtautrees informfiavtceil oans tsaiibofiooncfusa t
IDT IoDFr.T h ecslea csastiifiaornes:
Frauidnsv olvingc reecxdaiirastdct ucinontgs
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Frauidnsv olovtihenexgri satciocnugn( t.iseb .an akc coupnhtoson,reu tility a.c)c ounts, etc
•
Frauidnsv olnveiwan cogcu n(t.isec .r ecdairatdc coubnatnaskc, uc ntosp,h oonreu tility
•
acucntose,t. c)
Othtepyre osffr au(d.iseg .o vernmebnetn etfiatfrxsa ,u lde,sa eism,p ersoentact.i)o n,
•
• Theoftf personalw hienanfo rfrmahauatndsio ootnr,, yneobtte, e cno mmitted.
IncidReantcfoeers I ndiviCdounaslu mers
Thfiev e cltaisosdniesfis ccaribeadrn eoa nb-oevxec Anl uisnicvioedfI.e D nmFta yi nvomlovree
thaonnt ey epo ft hefrsaeu .d sIn otrocd oemrp are ourra ittneotcs hi ofrdsoeemnr ceec Ue.Snt.
survceayesssw, e raes sitgotn herdee xec lucsaitveega ocrcdioierntsg ot h meo sste ritoyuposef
frauWde.a lnseoe deeds ttaotb hliein sdhi vriadtuthahelatr,nh fa em ilayst, h e oufan niatsl iyIns .
somcea sweeks n otwh tahtre e sdpeonwnta asv ictoifIm D aFt s ompeoi nitnt imbeu,wt e d o not
knoiwhf e o rs he twhavesi ctiintm hc ea sbee idnegs crIni obtehdce.ar s weesk ,n otwh tahte
reosnpdewnatts h oen lvyi ctiintm hfa em ilAysa. r eswuela tr,r aitavr ea nrgaet hers itnhgalne a
figuirnee a ccha teagsos rhyo wbne low.
IncidReantcfoeer I nvdiiduCaonls ume-IrnsT heM osRte ceYneta r
IDTo rI DFC ategory ORNEC FTC JaveliJna veliJna velin
MinimuMma ximum2 003 2004 2005 2006
Exiisnctgr ecdairtd 2.%0 32.% 2.%4 Alelx isti2n1.g%
fraud accounts
Oth(enro n-credi1t2 .%c ard2). 8% 0.7% 0.%6
acocunfrtasu d 2.5%
Newa cocunotros t her 0.8% 3.1% 15.% 15.% 11.%
fraud
Total 4.0% 91.% 4.%7 4.3% 4.0% 37.%
Smaplsei (zNe) 3,539 3,5394 057 4000 5000 5000+
Excefoprot t h(enroc nr edridta)-c occuanfrtausd sth,re a tfreosmt hUeS s tudfailbeles t woeuern
minimaunmmd a ximvuamul e.Hs owevtehrea,yr g ee nermaulcclhyl otsooe urmr i nimum
valsuO.eu irn cidreantcees tsheeetrmoeb foer eh itghhatenhr or seep oirnat neoydf t hUeS
stiued.Ts hiisn clcuodmepsa rwiistoohtn hsUe Srs urvaelydssio s cuisnts hmeead i bno dyt hoifs
repoTrhte.ar rete w poo ssibrleea sfoortn hse dsieeff rceentsh atr ealratetoo e umdre thodology:
1.A lthotuhrgeeh asaornneso ct l relauyn dsetroaottd h per eenstti mree,p orrattefredos m
Intesrnuertv teeyntsdob eh ightehartn h oosnte e lepshuornve(e tyUhs.eS .s urvweeyrasel l
telepihnotvneiere uwssi Rnagn dDoimg Diiatl inTgh)e.ir nseo c oncleuvsiidveoenfw c hei ch
itsh meo satc cusruartveme eyt hbouddt,i e ffreensac pepairnr espofrnosmoe nsl siunrev eys
thuastu allelaydh itgohi enrc idence rattote esl ecpiohnmotpneaerr vFeiodeer wx sap.ml ien,
Augsu2t0 0G6a,r tcnoenrd uacs tuerdvu esyia nnog n lIinntee prnaentTe hle. sample size was
5000T.h ey reapnio nrctieddre anttcheewa ats 15 .1t imes grtehaFetT eC2r 0 0tp3hha onn e
survreeys uolfast is mislmaaprl( e1 m5i llAimoenr ivciacnti intm hsle a 1s2t movnetrhssu s
9.m9i lliIwfoent )a.kt eh2 e0 0F3T Ct otianlc idenocf4e . 7r%a mtauenl dt iibtpy l1 y5. 1w,e
ge7t1.% ,w hiiccshl otsote hm ei d-rbaentgwe(e 4e.n0 %9 .a8)nfo% du nidno usrt udy.
2.I na ddittoti hodeni ffeenrcbeest woenelnai nnpdeh osnueer yvtsh,ie n cluosfti h1oen3
scnearliiossit nte hdfie r psator tft hseur vemya yh avmea dcee rttayeipson f IaDnTId D F
more siantl hiee nmtoi fon udrrse sdpeonntthsai nts h cea sient he ostuhryevsSre.ec n arios
sucahsm ispaproproifea Btaiayoc nc ousnotmse,uo snieyn ogue rm aaicloc unfrta,u dulent
phone cahnaodrt gheeesrs sp,e cwihaelcnlo ymm ibtyta fae mdi lmye mboerrfr ienmda,yn ot
havceo mteom inidnt hoet hseurr veys.
Cotsso fI deintFtyr auidnC anada
Usitnhge smaetmdheoo loagsay b ovbeuwt,i tfrha uadm otusnv,i c'thsiom utrors e soalnvde ,
out--pocofkecto setsst imbayvt iecdt oiffrm asu wde, ccuallatthleeod w aenrud p eprl imitthse of
annucaolos fti denfrtaiuttdyoC anadcioanns umNeorttseh. ta htdi ose nsoi tn clruedleac toesdt s
tob usinaensgdso evse rnmenstusca,hsc ositnsc uprrreedv endteitnegca,tn riden ogsn pditnog
IDTan d IDF.
AnnuCaolts so fI deintFtyr autdoC anadiCaonnus mers
Minimum Maximum
Numbero fv icti(mlsa s1t2 Percoefnp to pluation 4.0% 9.1%
months) Projencutbmeedor fv itcimisn 993,672 2,260,603
Canada
Frauadm ount Meaanm oupnetvr i ctim $2947 $3188
Total $2,928,35$17,, 230864, 802,364
Victimh'osu rst or esolve Meahno sup revri ctim 18 23
Total 17,886,09561 ,993,869
Out-of-pocckosetts Meanc osptev ri tcim $165 $396
Total $163,955,$8889015 9,87 ,8 8
Frotmh tea bwlese e e thato vte1hmr ei rlelv iiaocrnteo i fm sIDe Fa cyhe aarnt dh aem outnhta t
peerptragtaoifrrnos m I DvFi ctiinCm asn ada ibsi lolvDieeolrani w.n$i g3t ihd entity frauds
cosCtasn adviiacnt$ i1m46ms i lloifto hne irm oonweanyn tdh ecyo lcltievsepleoynv de 1r8
millhioounary se atror esotlhvepesr eo blems.
Par3t C haratecriosftI idceisnt Ttyh eafntd IidtFeyrn atud
In4 2% oft he camseetsh,bo ywdt h hietc hhie n formawtaiasoc nc eiskssn eodw Inna. n other
1%5 thvei ctmiaym knnootfow r c ertbauihtna a,ss uspiocfi ohtnoh,iwe n formawtaiso n
obtaiTnherede .s uclotmsp waerlweli tUhSs urvdeaytF ao.frr a uidnsv olnveiwan cguc notasn d
exis(tnionng ccarreaddc)ic to utnhitens fo,r mawtaimsoo nsfr te quernetploytr obt ee dt aken
fromt hheo m(e03 .2a%n 3d2 .r6e%sc pteiv.Whe elrye)c recdairfrtda uwda rse porttheed ,
informoanwt aimso sfrte quetnatkldeyun r iannig n -pebrussosinstn r enasact(i22o.n%4 ofc ases)
orfr oma s towlaelnol rep tu r(s02e. 2o%fc as.e s)
Informoanwt aiasl gsaot haenraden da eldyo znt hmee thoofdd e tecatnitdho ienn terval from
actiunafolr matcieoosnrst haetcftot htei miewt a dsi scovMeorrteehd ah.na olfft hcea sweesr e
detewcittehadmi onn tohft hteh eHfto.w evtehrea,rr eaes ubstgarnotuivpai lco tf(i 1.m2%7s)
whoa rneo stu re twhhteeh neo ftcc urrTehde.ir ases ignainrfitec latiboentswheieipnn ttehrev al
tod etecatnitdho aenv erfraaguead m ouansit l.l usitntr haFeti egdub reel ow.
12000
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1000-+-0-- ---------­ --
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8000+- ----------­ -�

§ El Mean
6000-j- ------------
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4000-!- -------
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Less 1 week1 month 6 1y ear Don't
tha1n upt o1 upto6 months or know/
week month months 1up l otnog erN ot
year sure
intervatlod etection
IntertvoDa elt ecatniAdov ne raFgrea uAdm ount
In3 5%o ft hree portetdh veci acstkenisems,w o mtehianbgo tuhtpe e erptraotfto hre theft or
frauTdh.ir se siussli tm rit lora esufolutnidsn ostuhrevrae ssy hso,wi nnt hfoel olwitnbagl e.
Awarenoefts hsPe e rpet-rCaotmpora ritsooO nt heSrt udies
OtheSru rveys ORNEC
FTC JavelJianv elJianv e2l0i0n6 NCVS 2006
2030 2004 2005 2004
Awarenoefs sw h2o6 %u nknow3n%6 3%1 unknown3 5%
Ing enevriaclt,ai rnmeos a tsl ikteokln yo twh ied enotfti htey perwpheettnrh fraeat uodrs
invoclrveecd airt(d osn 3l0.y%7 )a nwdh eant heoftn lhyao sc ucrr(e62d0. %)T.h eayr meo re
likteokl nyo w itdheeno tfti htpeye erptrawthoern the franuedwas c ucinont(vs o.4 lp1 ve7 eer nct
ofc aseesx)is,at ciocnugn( t4s4 .a2n%d) ofrtahue(dr14s 7 .%.)
Oft h3e5 %of t hcea essw hetrhepe e rpetwrakastn oorw2 n5.:%9 werree laa 1ti35v.%ae ;
correumpptl ooyfaefi er mw hetrheve i ctdiibmdu ssisn1;e.3 w1 e raefr ieonrrd o ommaantde ,
116%.w eraec omplsetrtaen ger.
Thmeo scto mmtoynp oeffr auedx periweanpscu eradcs hmeasd oena ne xisctriencdgai rtd
acocun(t847 .%o ft hcea s,efo sl)lobweymd o netya ken anfre oxmi sbtainnakgc co(u2n4to% f
thcea saenscd)a swehse trhee hraed bneofre anu ddsio svcerteodd a t(e1% 2 oft hcea s.e sT)he
remaininega cwfrhea rueedx sp eriienln ectsehsda1 n%0 oft hteo tfraaluc da ses.
Documebnrte edrienfegrt sh petr oac ceot fui sionngte yp eo fi dentifidcocautmiteooann ppt l y
fora notthypeeo rfd ocum(een.atbg i.rc tehr ttieufi scetadoo btaap ians osr.ptS )omfoer m of
documberneiten dgk nioswt noh avoecc uerdr3. 5o%ft hcea sDersi.'v lesir ceanrsee st he most
commborne eddoecru ment oarcc oquunitreeradfep ipteeaidrnt,i w ntogh iorfd st hew hcearsee s
documberneiten dogcc urdr,ae nsdo ciinaslnu crceaa radnshd e aclatrhwd esra ec quiinrat e hdi rd
oft hcea soefks n owdno cumbernete ding.
Sxity-pfieverenc otfv ictkinmosww h aitn formawtaiosob nt aIni n6e%1d o ft hecsaeso ensl y
accoluenvte l inwfoarosmb attaiiOonuner d .r esshuotlwht ast thet hIceDo Fasr thesi gohfe st
whebno tihd enlteivatenylad c ocunlte vienlfo rmaitsi oonb tTahideni eefferdn.ci ems o setv ident
whewne l ooaktv ictcioms( tbsot tihmt eor esoalnvodeu t--opocfkceots .Wht esn)b oth identity
anadc ocunlte vienlfo rmaitasi cocne stsheed ,v' icsco tsiitnbms o tthi maen mdo neayrm eo re
thatnh ree thtceio mswethsse j nu asctoc unlte vel infoarcmcaetsisoend .i s
Thmee diaamno ugnati nbeytd h pee rpreatt(ofrra aumdo uwnat$s) 59.V 5ictsipmesanm te dian
of8h ouarns$d 4 rteos otlhpvere bo lemIns a.l mohsattlh fce a stehvsei ctriemp onroto euodtf -
pokcecto sHtosw.e viewfre e, l imicnsaaewtshe e trhee wraeos n lcyr ecdairfrtda uvdi,mc st'i
cosrtisss ieg nainfittclo1y 2h o uarnsd .$.1 8
Almohsatol fft h vei ctriempso trhtfreea dut doa c recdairctdo mpaannyad l mo4s0t%r epoirtt ed
tot heirS burparniks.wi hnig3ll2ey%r , e potrott hepedo liocnel,y 2% rPehpoonretBeuds tteor s
(tRhCeM Pa nOdP P'frsa ucda cleln t.Tr heiw)so uilndd icaetiet ththepheroa ltdi ecpea rtments
arneo t repfeerorptiloPne hg o neBuosrtt hevaritsc tdionm osmt a kteh cea elvle anft earr e ferral.
Betwe1en0a n d p2e0er ncotfr esdpeonnwtesru en suirtfehI eD mFi suhsaesd t op(p1e1%8d ). o r
iafl plr oblheambdse erne svoe(ld1 .01) T.%h ersees uilntdsi catei tlsih nagte atrnxhiienegrt ey
ovetrhI eD eFv ewnh eint bheaedsne teacntde di ancittitioaanklsIne n2.3 %o fc aesst,hv ei ctim
believtehdme i tshuoasftte h eiidre nwtaiostn yg oi1n%4g b.e lievtehdme i tshuhasatesd t opped,
budti d bneolvtiet e hath tarhdee syo allvoleft d hp er oblaesmsisoa ctweidtt hh IDiFse pisode.
Par4t C onecrnAsb ouItdn etiTthyet af nIdd entity Fraud
Alrle osnpde(nntjosut vs itc toifIDm Tso rI DF) werheo wca osnkceedtrn heewdye raeb out
becomaiv nigc toifim d entthieitftnty h fuet u.rO ena fi vpeo iLnitk secrlta:e3 4.%w erneo att
alclo nce2rn2ed.w;9e %r sel igchotnlcye 3rne7%d. w;8e rseo mewchoantc e2rn4e.d3w;%e re
vercyo ncearnnedd1;,.17 %w ereex trecmoenlcye rnTehder.se es ualrsteis m itlota hsroefo und
ino thseirm ris luarveCyasn aondfsi A.a c ompsaoronift howsheoh abde evni ctiwmiitzhe d
thsoew ho had not,t hileno dwiecsatt ecldoe nvtcewhelaarn ist on t f hg er owuhpoh ad
experiencceadrfr dac u(rdte hdeeilmtvs oerts h rosuogmhe oinnt eh eiimrm edfaimaitle.Ty h)iiss
probabbecluayst eh cer ecdairctdo mpany athsresi uismnke st chaes.se es Tlheevo efcl o ncern
wahsi ghfoerts hto wsheo ehxapde rineenwac coecudn otro thfrearus dA.s w es afrwo mo ther
resutlhtgisrs,o s uupff etrhemedo sste ricoouensqs uenicne st ecrmossT thosef.li erv el of
concfoerrna r e-uorrcecnictseh erehfoirgeht ehrao nt rhse.
Twoq uestwieoruness et doe liicnifotr maotnwi hoent rheeosrnp dehnatrdse ceei-vmeadi l
requfoersa tcsc oiunnfotr ma(tcioomnm oknnloywa ns" phishJiunusgnt"d )e.r o4fo0 u%r
reosnpdeinntdsi ctahttaehtde h ya rde cepiovntetedip ahli sheiminal.gOs ve9r5 % tohfe se
resdpeonnts itnhdaitch atathdee dryn e ostp otnotd heedes -emi al.Us nfortuna3t4.e%ls ya,ti hda t
they anh1da5d .% d indo t kwnhoewt ohrne ort threeys phoaTndhd ieisdws .o r irsomaes ,
phishcionntgsi t nobu eae p ervapsriovbeal nepdmh istheicnhgn airqceuo etnsin utiobn egc ome
morseo phisticated.
Par5tA ttitTuodweasr Pdrse vetnitMvaee asures
Int hsiestc i4o3nm easuwreerpser eensttehdia ntd ivsifi,dn uaanlciinaslt itauntdi ons
governmemnitgsth atkt eop revIeDnTot rt om inimtihizeme p aocfItD FA. Max-aDniyaffsl is
wauss edr atntokeh speot enmteiaals uarcoecrsd itnotg hr ee osnpde'wnsit llisnsg-nteoT-haec t.
four hirgahnekmsietna gs urdeesc rienra asnioknr dgie nrd,i ctahtreie nsgp otn'wdsie lnlisnsg ne
tota kteh emseea suwreerse,:
Refusteog ivpee rsonal ionvfoetrrhpm eha ottniopoe ne optlhceal ta tiodm o s uvreyosr,
•
peopolffee rpirnogd ucts aotsr p escepirravilic ceess.
Usaent i-vainrtuis-,s apnydw afirrese owwftaalrtleh iaustp daotnea rd e gublaasorin ys o ur
•
computer
Shrfienda ncoiria mlp onrtdt oacumbeenfotrdse i srcdaitnhge m
•
Moniytoourar co cunbta lances and oanac r teigvubilatassyr i online
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Datfrao mt hMea x-Dainffa ilwsye sre altsoso e mgeunstteh dre e osnpdeanctcdsoi rntgo
simriieltsiai nt hepirre fereesTn.hc per elimsienganmrteya tainoanl iydseinst 8is fieegdm eonft s
approximeaqtueallyr asnigzfrieon,mg9 % 1t%5o o ft hsea mple. The cmoenatsruirbeust etdh at
thmeo sts emtgeon itd entiwfiecra:et ion
Provbiidoem edtartsiauc ca hsfi ngerprvionitscsaep,m l eosrr, e tsicnnaast hwaotu bledu sed
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tov eryyi ofuird enitnai stcsyio atwiiotgnho vernmeinsstu-eidd entifidcoacutmiseounnct hs
asp asspoordr rtis'v,lse i rcenses
Provbiidoem edtartsiauc c hfi nagse rprvionitscsaep,m l eosrr, e tsicnnaast hwaotu bledu sed
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byy oubra ntkoa uhtentiycoauitrde e nwthietunys ian' gms ar't doerbc irte cdairtd w hoern
bankoinnlgi ne.
Redutcheae m ouonfbt na kitnhgya otdu o o nline
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Redutcheae m ouonfst h opptihnyagotd u o online
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Iniitmipalli cfraotmsi eomngesna tn ailasyr steh daitff ermeenats uwriehlsal v dei fferdeengtr ees
ofa cecptialbwiittyh eianco hft hesseeg meinmtpsl,yt ihnaagppt r oacthoie nst roducing
prevenmteaatsiumvruees astl vsaor aym ontghs eed ifferpeonptu lsaetmgieotn.ns
MeasuriIndge ntTihteyfti nC anad2a0:0 6 ConsSuumrevre y
TabloefC ontents
1.I NTRODUCTION 3
...................................................................................................................................
1.T1hO eRN EC idetnhtepiftrtg oyr a.m. ..............................................................3..... ..................
1.R1e.s1re caphrj ocet.s.. ................................................3.. ......................... ...............................
1.2R1 e.srecapha rt.n.er.s.. ............................................3. ..........................................................
12.D efiniindge ntthitet fya nd ide.n.t..i..t.y.. .fr..a...u...d.. .....................4.. ....................................
2.T HE2 00O6R NECC ONSUMESRU RVE.Y. ........................5. .............................................................
3.M ETHODOLOG.Y. ....................................5. ...........................................................................................
3.P1r et.e..s..t.. ..............................................6... ........................................ .....................................
32. OpenV.e..n..u..e. .......................................7.. ......................................................................... ...
33.D atcaln eian.g. .................................7.. ........................... ..........................................................
34. Cresautsbienotgfrs e spo.n.s.e.s. ..............................9... ........................ ...................................
4.O NLINES URVEYVSE RSURASN DOM DIGIDTI ALINTGE LEPHONSEU RVEY.S. ..1.0. .......
4. C1o vereargr.eo. r. ..............................1..0.. .................... .............................................................
4.S2ma plienrgr. o.r. ..........................1.1. .......................................................................................
4.N3o n-srpeonse. .e.rr.o.r. ...........................1..2.. .................... ......................................................
44.M easureemrer.no.tr. .................................................1...2... .................... .................................
5.D EMOGRAPIDCC OMPOSITIOOFNT HES AMPL.E. ..................1.3. ............................................
6.D EFINIIDNEGN TITTYH EFTA NDID ENTITFYR AUD( QUESTIONNAPIARRET1 ). ..1.4. ...
7.IN CIDENCER ATES( QUESTIONNAPIARRTE 2 ). ....................1.7. ................................................
7. B1as ei ncidreantfocerees a cthy poefi denfrtaiutdy t ahnte.d f. ..........1.8. ...............................
72.I ncidreanutcseei F nTgC /NCcVaSt eg.o.r..i..e..s. ..................1..9.. ................... ......................
7.F3T C/Jacvoemlpianr .i.s.o.n.s ....................2.0. ..........................................................................
7.N4C VSc ompiasro.n.s. ......................................................2...4... ............................. ..................
7.E5s timoafit deesn frtaiutcdyo s.t.s. ..........................2..4.. ....................................... ..................
8.C HARACTERISTIOCFIDS E NTITTYH EFTA NDI DENTIFTRYA UD( QUESTIONNAIRE
PART3 ) 25
......................................................................................................................................................
81.D ataan ail.sy .s.................................2.5.. ....................... ...........................................................
81..F1ra tuydep s. ............................2.5 ......................................................................................
81.2.C recdairtpd u rchoans.ley. .........................2..6.. ................... ............................................
81.3.C rotsasab n al.y.se..s.. ........................................2.6. .........................................................
82.R eceonfcty hc ea .se. .............................2..7.. .................... .......................................................
8.M3e thoofdd e tec.t.i.o.n. ......................2.7. ................................................................................
84.A warenoefshs o wi nformawtaiosob nt a.in.e.d. ..................3...0.. ...........................................
8.H5o wi nformawtaiosob nt a.in.e.d. ...................3.2. ...................................................................
8.I6n tetrodv eatle c.t.i.o.n.. ..................................................................3..3.. ...................... ............
8.A7w areneswsha iton ffo rmawtaitsoa nk. e.n. ...............3.5. ......................................................
8.Wh8a t inforwmaaatsic ocneo srtsa ekd.e .n. ....................3..5.. ................... ...............................
8.18L .evoefil n ofrma.ti.o.n. .....................3.6. ...........................................................................
MeRC WorkinPga per1 #2 SproualnedA rche2r0 08