Ms Niamh Davenport:

That is something that we have been looking at, particularly with smishing. We have started a piece of work where we are documenting the start to finish, and that is before it gets to the member banks. We are looking at what controls are in place. We are already engaging with ComReg as part of this piece of work as well. Hopefully, we will have a better view of the ecosystem, as it were, specifically, of text message scams.