The piece discusses how fraud has become a cross-border, organized crime issue that leverages the same digital infrastructure that underpins everyday life, including social media, messaging apps, telecom networks, payment systems, and gift cards. It argues that the response must be structural, with clear responsibility and accountability spanning sectors and strengthened duties for large digital platforms. Examples from the UK, Sweden, and Australia illustrate varying national approaches, while Finland is portrayed as lacking a national fraud-prevention strategy. The article contends that some measures require EU-level action, and that national strategy is a tool for Finland to push platform accountability in European regulation. It also notes that tackling fraud requires public–private coordination and that without government-led leadership, responses will lag. The overall call is for shared governance across sectors and for a proactive, consequences-based regulatory framework to reduce fraud across channels.