Nearly half, 44 percent, of U.S. consumers rate identity theft and banking fraud as their top concern, according to FICO's latest consumer finance trend research.

The figure, according to a press release, is more than double compared to those who top concern is being the victim of a terrorist attack (18 percent) and twice the number who view their own death or that of a loved one as their primary worry (22 percent).

"Human beings hate to lose," Bob Shiflet, vice president of FICO's fraud business line, said in the release. "The survey confirms the psychology of loss aversion, especially when it comes to money and the likelihood of an event happening to us. The loss of your personal information or money from your account cuts deep, it is a violation, and people now know it's much more likely to happen to them."

Consumers are most concerned about the theft of their Social Security number (86 percent), followed by their bank account information (76 percent) and their credit card information (58 percent). The least concerning was medical records (15 percent) and biometric data (17 percent).