I hate to break it to you, but the days of scattergun marketing emails are numbered — the General Data Protection Regulation (GDPR) is in sight now, and once it’s arrived, there’ll be no hiding from the major issue of consent.

In the UK, total financial fraud losses across payment cards, remote banking and cheques were estimated to have been around £770 million in 2016 by Financial Fraud Action UK. Of the various subcategories, card ID theft stands out as being on the rise.