Mr. Patrick Casey:

The Deputy mentioned it. As with all technologies, there are benefits and risks or pluses and minuses. Reading on the topic of push payment, APP, fraud, it is clear that machine learning and artificial intelligence have an important role to play. They could be a powerful tool on the prevention side, in detection of patterns of behaviour. The things that would be time-consuming for a human to trace could be detected in a much faster way by machines that have learned. They could spot patterns. That is the hope. Equally, we have the issue of bad actors getting their hands on AI and machine learning, in time, and using ever more sophisticated frauds against consumers and preying on consumer vulnerabilities and behaviours, as we have seen with APP fraud, which is a terrible development.