Mr. Colm Kincaid:

I am glad the Deputy raised that issue. This is a very strong view we have and it speaks to the agenda issue of APP fraud, for example. Some 80% of this fraud begins with an online advertisement. If we are talking about places to put checks in the system and ways to prevent, with prevention being the best thing we can do in respect of that type of fraud and others, we hold the view that social media companies, Internet service providers and communications companies have a significant role to play in this, as well as the banking and payments sector, and our own role as a regulator. We are definitely of the view that they have a very significant role to play. Nevertheless, the Deputy will understand that for us to get a message across to consumers that we want to help, we have to get to those consumers in the places where they are interacting, and indeed the places where they may actually fall prey to some of these scams. Like others, we have done that online.