Customer fears about card security and fraud is increasing, but as it turns out, fewer consumers are actually experiencing that fraud.

This is according to the Consumer Payment Card Data Security Perceptions survey by data solutions provider Transaction Network Services, released today.

Only 23% of adults reported fraudulent card use in 2017, the survey of about 1,000 U.S. adults found, compared with 32% of consumers in 2015.

However, 82% of overall respondents (the report surveyed about 1,000 adults each from the U.S., the United Kingdom, and Australia) agreed that “banks, retailers, and other organizations in involved in the credit/debit card industry need to do more to protect their personal card data.”

Furthermore, most respondents agreed with the statement that the number of criminals trying to steal their data is increasing. This is especially true among older consumers: 71% of U.S. 18-24 year-olds agreed with this statement, compared with 94% of adults over 55 years old.

However, younger consumers are less inclined to trust the security of in-store payments, according to the survey, where 61% of 18-24 year-olds reported concerns compared to 44% of those over 55.

Take a look at the full survey here.