The digital age has brought with it an unparalleled opportunity for progress, greater connectivity and efficiency. However, where there is opportunity there is also criminality. Fraud has become truly globalised, with the internet serving as its most lucrative vector. While a great deal of fraud is still committed by opportunistic lone operators, there is a growing contingent of organised, well-resourced outfits able to use the latest technologies to scam their victims. Indeed, between 31 per cent and 45 per cent of UK frauds are linked to organised crime groups (OCGs).