From payment frauds to imposters using sophisticated models to target people likely to owe back taxes, advancements in AI and the speed of real-time payments have made it easier than ever for scammers to manipulate someone into willingly handing over their money and make off with it just as fast. As the problem has grown in a range of countries, so has the debate between government, banks and technology companies over who should foot the bill when the money cannot be recovered.