Community

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...)

When a viable alternative is available for customers, merchants will rebel, and governments have a role to play in breaking monopolistic behavior.  And if the argument is "it must be impossible because I don't see how", there are plenty of spectator seats available.  

Great summary - for many people around the world, community financial institutions are their only option - and their best option.  As we think about the new payments landscape, they need to be included (i.e. FedNow in the US)