As part of an international research project, consumers were asked a series of questions about financial technology and cybersecurity.
Furthermore, 45% of Australian consumers would login to their financial accounts via public Wi-Fi, and more than three-quarters of those do not use a VPN when doing so.
And of the one in four Australian consumers who rate themselves as advanced in tech proficiency, almost a third (29%) do not use a password manager.
There is some good news, in that users of at least four fintech apps are slightly more likely that those using one to three apps to have security software installed on at least one of their devices.
"As people become more comfortable with using financial technology products there is clearly a level of complacency creeping in when it comes to ensuring they are using these products in a safe way and protecting their data," said Eset Australia country manager Kelly Johnson.
"Our data shows that many consumers are leaving themselves vulnerable to security risks and it's our goal to ensure users have the best tools available to protect their valuable data so that they can use these fintech services with confidence."
More than 10,000 consumers in the UK, US, Australia, Japan and Brazil were surveyed. Eset did not reveal the number of Australian respondents.