More than three-quarters of those polled cite organized retail crime as impacting return fraud rates.
This equates to 254 million mobile users making five payments per month at an average of slightly less than $9 per transaction.
The online desktop spending season-to-date remains up 15 percent, still ahead of forecast.
The research found that Beauty and Personal Care, an industry traditionally rooted in the ability to touch, smell, sample and experiment with products in stores, is being played by a new set of rules.
Connexity's Bizrate Insights finds U.S. shoppers most trust their personal bank, PayPal and Amazon.
The idea of not spending more this holiday season was consistent across age, income and education levels, but millennials had the lowest propensity to hold back on their spending this year.
Within the first minute of an online shopping session, brands lose 30 percent of their site visitors.
Gains were consistent with NRF's holiday sales forecast, which anticipates an increase of 4.1 percent over last year.
In the U.S., Amazon is the most popular shopping destination for mobile users, with a 36.3-percent market share of traffic; eBay comes in second with 16 percent, followed by Craigslist with 11.5 percent.
Retail Customer Experience will host a free webinar that delves into the impact mobile technology is having on this holiday season, including analysis of this year's Black Friday shopping event.
On an overall basis, more than four in 10 adults are very familiar with wearable computers.
November sales comps before the holiday were positive, suggesting that consumers began their holiday shopping earlier this year.
In-store engagement improved, with average duration up and bounce rate down, as the shoppers that did visit the store had a strong intent to buy.
Hispanics account for one-sixth of the U.S. population, totaling 53 million people. These shoppers have increased their spending more than 200 percent since 2000, with purchasing power projected to surpass $1.7 trillion by 2017.
From Thanksgiving through Cyber Monday, overall online sales increased 12.6 percent, with mobile sales up 27.2 percent compared to the same period in 2013.