NATIONAL CYBER SECURITY STRATEGY GREEN PAPER – SUPPORTING DOCUMENT A proportional increase is noted in 2014 in the level of concern expressed by EU respondents in having access to online services, through the Internet, as a result of cyber attacks. In Malta’s case, the findings indicate an increase from 44% in 2013 to 61% in 2014. This could be potentially attributed to an increase in the proportion of the Maltese respondents, from 7% in 2013 to 10% in 2014 who complain of related incidents. 7.3 ONLINE FRAUD Overall, almost all respondents within the EU member states attribute the use of Internet to access email. The Maltese respondents who receive fraudulent emails have decreased significantly from 53% in 2012 to 39% in 2013 and have remained so (39%) in 2014. However, the percentage of those who are concerned of receiving fraudulent emails has increased from 55% in 2013 to 58% in 2014. Furthermore, Malta ranks high within the EU in the proportion of respondents (16%) who claim on-line fraud in terms of unfulfilled purchase of goods, counterfeit goods, or falsely advertised products; although the percentage has remained locally stable since 2013. The level of concern has however sharply increased in proportion from 55% in 2013 to 67% in 2014. 7.4 ONLINE BANKING FRAUD Concern on bank card or online banking fraud appears to be on the rise across the EU in 2014, relative to 2013. In the case of Malta, the findings indicate an increase in level of concern from 62% to 71%. Such proportion of concern is considered relatively high in Malta compared to the rest of Europe in 2013 and tends to remain so, albeit to a lesser extent, in 2014. On the other hand, although there is a 1% increase in proportion of EU respondents who claim such fraud during 2014, there is a corresponding decline within the Maltese case - from 6% (2013) to 5%. 7.5 SECURITY OF ONLINE PAYMENTS During 2014, there again appears to be a rise in concern amongst the Maltese respondents (27%) on the security of online payments for banking or purchasing activities. This follows a previous decline from 29% in 2012 to 24% in 2013. 7.6 PERSONAL ONLINE DATA PRIVACY AND SECURITY Over a three year period, there also appears to be a variation in the trend of Maltese respondents who seek to avoid disclosing personal information online. It has significantly declined from 95% in 2012 to 80% in 2013, but has almost returned to the original level, increasing to 93% in 2014.This may similarly reflect an increase in 2014, in stated concerns with respect to the 28 Malta | National Cyber Security Strategy Green Paper – Supporting Document