A global fraud study of more than 6,000 consumers across 20 countries, including Australia, has shown that, in contrast with the rest of Asia-Pacific, consumer behaviour in Australia and New Zealand tends to be far less risky than in the rest of the region. A "very low percentage" admitted to carrying their PIN with a card, or responded to emails and calls asking for bank account information.  In the Asia-Pacific region, the average number of consumers receiving at least one replacement card ranged from a low of one in ten in Indonesia to almost three in ten in India. As in other regions, some consumers received multiple replacement cards during the past year.The study, sponsored by payments firm ACI Worldwide, found that once they had their new replacement cards many consumers across the Asia-Pacific region used them far less often than the original cards. This occurred at very high rates - from a low of 33 per cent in Australia to a high of 72 per cent in both India and Indonesia. "This 'back-of-wallet' behaviour represents high lost revenue for financial institutions and surely shows consumers' lack of confidence," concluded ACI.In line with high rates of unhappiness measured after experiencing fraud, many consumers changed financial institutions. In China, India, and Indonesia, between 44 per cent and 58 per cent of consumers switched. In Singapore, 15 per cent of consumers switched financial institutions after experiencing fraud. Australia and New Zealand have the lowest rates of switching behaviour, at seven per cent and six per cent respectively.As well as deserting their institution, many Asia-Pacific consumers will place their cards in the back of wallet and not use them, instead of changing financial institutions, after experiencing fraud. Australia and New Zealand (61 per cent and 64 per cent, respectively) have the lowest rates of back-of-wallet behaviour. Indonesia and Singapore have the highest rates of back-of-wallet behaviour at 88 per cent and 86 per cent, respectively.