In WorldPay’s survey of 19,000 global consumers from February 2012, online consumer’s actual number one priority was the security of personal or financial information. In the last 9 months over half of the adult population (158 million) in the United Sates has had their online user profiles and credit & debits card data breached.

I think you will find U.S. consumers and the payment industry refocusing on identity theft and how to lock-down the safety and security of the online shopping carts. If the current rate of credit & debits card data breaches continues the risk of underwriting online merchants will become cost prohibited.