Ms Derville Rowland:

I have absolutely no idea. Why would people not want big global Internet service providers to proactively be part of the positive coalition of actors who want to stop the opportunity to host fraudulent propositions on the Internet? Some of these are very straightforward and easy to identify. Today, Google has launched a really positive initiative. Before Google takes the money for a paid-for advertisement from an entity that says it is regulated by the Central Bank of Ireland, it needs to check with us. That is a straightforward way of doing it. It is welcome and right that it does so. We really support and welcome that.

With a lot of the advertisements, however, as the Deputy will know, the typologies are changing and getting a bit more sophisticated, driven by algorithms. Sometimes they are driving the engagement offline. An individual gets the introducer experience online where they say, "If you ring me or talk to me, this is a very interesting proposition for you." It is an algorithm-driven type of experience. The engagement with the individual then happens offline and that can be where the fraud occurs. These can be harder to detect but we all need to work really hard to clean up the marketplace.