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Agree with above.  Its important data but I would want to see how the online survey was done.  If an email went out that said "please take this survey about APP fraud", its probably not a representative sample:

1. if I've been scammed, I'm probably more likely to click on the link.  

2. If I click on random survey links, I'm probably more likely to be scammed :) 

Cryptographic immutability (blockchain based or not) is essential as real time payments become integrated into our daily (hourly even) lives.   It needs to become standard.

"increase in 150-200m GBP" - yes clamp down on fees but also invest half that much in public utilities that give small businesses an alternatives - including cross border merchant payments.  (and acknowledge that acquiring banks prefer profit sharing with card schemes over public utilities...)