Good afternoon, ladies and gentlemen, it is my pleasure to speak to you about Anti-Scam Consumer Protection Charter 3.0. The Charter has gone from 1.0, through 2.0 to now 3.0 in just two years, from a focus on credit card scams to different kinds of fraud. This “annual upgrade” is just like some of the fastest-growing technology we all embrace. 

In fact, such fast evolution in anti-scam efforts is much needed in today’s digitised world, because we must up our game constantly to stay one step ahead of bad actors.

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