Certainly the card-based fraud, such as the copying of debit and credit cards, is the area in which you tend to see the larger organized crime groups involved. But when you get into phishing and malware, the barriers to entry for fraudsters to get in are considerably lower. You can go onto the Internet and buy a kit that will help you phish a bank. You need very little technical capability. You buy this kit; it does all the work for you, and it sends it out.
You will start to see more individuals appearing in some of those types of frauds, because it is a do-it-yourself kind of thing compared with the larger-scale organized crime and debit and credit card types of fraud.