The vast majority of people say they want financial institutions, payment systems and online stores to ensure that hackers can't get into their bank accounts, and when hackers do get in, 40% expect financial institutions to reimburse them without question, according to new research from the Woburn, Mass.-based IT firm Kaspersky Lab and marketing research company B2B International.

The study, published this month, was done via an online survey of 11,135 people in 23 countries from May to June 2014. It found, among other things, that online threats to personal finances are common – 43% of the respondents reported encountering them in the previous year, and about one in every 20 respondents had some money stolen from them.

But perhaps more notable is that 75% of respondents said financial institutions, payment systems and online stores bear some responsibility for ensuring their financial transactions stay secure. In fact, 20% placed full responsibility on their financial institution; only 15% of respondents said that they themselves should be responsible.