Jim O'Callaghan (Dublin Bay South, Fianna Fail) | Oireachtas source

I thank the witnesses for attending and, like the Chairman, I thank Ms Davenport for the extensive and thorough opening statement.

When it comes to fraud, there are some parts that we are aware of and others that we are not. I know from talking to constituents that many of the issues now are that they may get a text message from a service provider that is not, in fact, from the service provider but purports or pretends to be, and which requires them to click on a link to pay for an eFlow bill or whatever. Is that the most common form of fraud that we are experiencing at present?