“…These nine studies therefore explicitly or implicitly recognized the existence of those we refer to as QTIs. Older adults, especially those new to digital technology during the COVID-19 pandemic, are described as vulnerable to online privacy and data safety risks, including identity theft [63,65], data security breaches [6,7,31,33], scams [6,7,11,26,27,30,34,52,64], and other fraud [51]. Several articles specifically addressed mobile banking, including the perceived versus real risks of fraud, such as identity theft and data breaches [63,65,66].…”