Ms Niamh Davenport:

That has been suggested in the UK, for example. That is the approach it will take going forward. I keep coming back to the 80% but that is where the scams originate.

There should be some accountability and responsibility. As we have not had much engagement with those companies here, I cannot really say what they are or are not doing. I know they are proactive in trying to take down websites and fake advertisements if they are alerted to it. At the moment, from what I understand it is consumers and banks alerting them to these fake websites and fake advertisements.