This white paper addresses the growing global threat of cyber-enabled fraud, particularly phishing, which is increasing in scale, sophistication and financial impact. It argues that traditional approaches focused on user awareness and law enforcement are insufficient, and proposes a systemic defence model that shifts responsibility upstream to those controlling digital infrastructure. The framework is built around three pillars: prevention by reducing opportunities for abuse, protection through safer consumer-facing systems and mitigation via rapid detection and coordinated response. It emphasizes the role of multistakeholder collaboration across governments, technology providers and financial systems to address vulnerabilities embedded in the internet’s architecture. The core message is t

Join for free to read