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This is very convenient and the ready access to the Internet in all first-world countries, coupled with the cost savings from closing bank branches, is driving the deployment and adoption of these services. Purely online transactions, however, lead to increased risk. None of the normal safeguards of real-world transactions are present. Conversely, risk to the criminals is a lot lower (the attacker can be in a completely separate jurisdiction from all the other parties in the transaction) and the retailer sees nothing but a faceless, nameless connection providing card details. The economy of scale which the Internet and its millions of connected computers provide also works for the criminals | truth lies and the internet report into young people s digital fluency Jamie Bartlett Carl Miller September 2011 DEMOS TRUTH LIES AND THE INTERNET Jamie Bartlett Carl Miller September 2011 DEMOS Truth Lies and the Internet Open Access. Some rights reserved. As the publisher of this work Demos wants to encourage the circulation of our work as widely as possible while retaining the copyright. We therefore have an open access policy which enables anyone to access our content online without charge. Anyone can download save perform or distribute this work in any format including translation without written permission. This is subject to the terms ofthe Demos licence found at the back of this publication. Its main conditions are Demos and the author s are credited This summary and the address www.demos.co.uk are displayed The text is not altered and is used in full The work is not resold A copy of the work or link to its use online is sent to Demos. You are welcome to ask for permission to use this work for purposes other than those covered by the licence. Demos gratefully acknowledges the work of Creative Commons in inspiring our approach to copyright. To find out more go to www.creativecommons.org c xnrnc is PARTNERS CREDITS In collaboration with the Nominet Trust http www.nominettrust.org.uk Published by Demos 2011 Demos. Some rights reserved. Third Floor Magdalen House 136 Tooley street London SE1 2TU T 0845 458 5949 F 02073674201 hello@demos.co.uk www.demos.co.uk