Ms Niamh Davenport:

It is the most common form we are seeing. We are due to have more figures come out in approximately two weeks. If we look at the second half of 2021, H2 2021, the latest period for which we have figures, the type of fraud the Deputy is referring to is unauthorised fraud. The cases we were discussing in our statement are authorised frauds. In the latest figures we have, unauthorised accounts for €37.1 million for a half a year compared with €7.6 million for authorised, which is what we are talking about today. That is roughly four times higher based on the latest figures for the types of scams the Deputy is referring to. eFlow is the most common one we are seeing at present.