I think broader success comes from an ecosystem type of approach of sharing responsibility among all of those players. I know a lot of the focus at the moment is on banks, telcos and digital platforms, but there are other sectors that play a critical role. They also need to be included to make sure that no one is left behind.
The best way to do this is to be smart about the use of data. We are working to improve the quality of the data that tells us who has been scammed, what type of scam it is, what the demographics are, etc. If we can use that data well, we can understand much better the specific nature of the scam, the target and how it's implemented. That allows preventative measures, education measures or whatever else to be focused.
A general “be careful of scammers” type of message works for only a few months—if it works at all—and then it becomes background noise. You need a targeted message around specific scams, based on data.