Women, because of their lesser use of Web banking and sales, suffer from more old-fashioned fraud caused by stolen credit cards or retail employees, he says.
Separately, under the Lending Code, which most UK banks have signed up to, innocent victims of fraud on debit or credit cards will not suffer any financial loss unless they have acted negligently.
Most customers surveyed have experienced fraud, with fraud related to debit or credit cards being the most common experience.
Dunkley claims Mr Cummins died of natural causes but has admitted four charges of fraud relating to using his credit cards, as well as cashing cheques from a trust fund.
This is technically possible and secure (any amount of security software and hardware could be incorporated in a mobile phone), and it would not generate the fear of fraud that currently exists with credit cards.
In fact, the site is currently not accepting payments since detecting a high level of credit card fraud in those attempting to purchase tickets online using fake credit cards.
More worryingly, detailed biographical information can be used by fraudsters to commit full-scale identity fraud or divert financial information and credit cards to another address.
Credit cards offer stronger fraud and identity theft protections.
On the other hand, such systems do not always offer shoppers the protection that credit cards routinely provide against fraud (though this week PayPal said it would start reimbursing victims of some frauds).
Dunkley claims Mr Cummins died of natural causes and has also admitted four charges of fraud relating to using Mr Cummins' credit cards and cashing cheques from a trust fund days after he died.
"Despite all the investment going on to make credit cards more secure, fraud is still on the rise and much of it is simply going undetected by consumers, " Lynda Kershaw, group product manager at Macro 4 said.
The most promising areas now are fraud detection across many types of businesses, credit cards, health care and welfare.
But if you are capable of using your credit cards responsibly, they provide a big advantage over debit cards in terms of fraud protection.
On the flip side, using credit cards abroad can mean additional fees and heightened concerns about credit card fraud.
But as more and more private consumer information is kept online, criminals are increasingly turning to the more serious fraud of identity theft, using consumer data to assume another person's identity and take out new credit cards or loans.
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