Scams are not just a bank problem. Banks tend to be at the end of a chain of events that leads to a criminal stealing money from someone. Scams often start when people are deceived by fake websites, emails, texts, social media ads, and phone calls. Everyone needs to play their part in preventing criminals from scamming New Zealanders. Government and other industries, including telcos, social media companies, and search engines also need to step up and join us in this battle.