Mr. Pat Mellon:

I thank Deputy Gibney. We hear about this on a regular basis. It works from every angle. If somebody is digitally excluded, it can be a relative who is the connection between them and their bank accounts, and Mam or Dad or whoever it is trusts their son, daughter or whoever.

At the same time, that is a risk. Because they are digitally excluded, they decide they will get someone else to do it. That is a risk as well. The banking industry and all of those industries need to be part of this. With the technology that is there, there is very little excuse for banking scams, in a way, because they should be able to tell. It is something that needs to be done.