A recent Mastercard report highlights a rising global concern about cybersecurity, with 76% of consumers saying they’re more worried today than two years ago. In fact, 70% believe it’s harder to protect their personal data online than it is to secure their own homes.

This anxiety is widespread—especially in Singapore (89%), Brazil (86%), and India (81%)—while the U.S. (78%) and U.K. (74%) closely match the global average. Cybersecurity has become such a prevalent issue that nearly half of respondents (44%) now think about it more often than job security.

Younger consumers appear to be at higher risk of online fraud, according to the findings. While 80% of all respondents reported receiving at least one scam attempt in the past year, engagement with these scams decreases with age: Gen Z (43%) and millennials (39%) are far more likely to respond than Gen X (22%) or baby boomers (14%). The most common forms of fraud include shopping and retail scams (39%), investment and crypto schemes (35%), identity theft (33%), and romance scams (29%).

Despite growing awareness, stigma continues to prevent victims from speaking out. Over half of respondents (56%) said they would feel ashamed if they fell for an online scam, and nearly half (49%) admitted they would be too embarrassed to tell anyone about it. This reluctance to report fraud not only hinders efforts to tackle cybercrime but also allows scammers to continue exploiting victims with little accountability.