You're only a victim of phishing emails if you are stoopid enough to fall for them. The big problem as ever is credit card fraud, and the big fix, as ever, is systems like iDeal, the payment by bank transfer system used in Holland and expanding elsewhere.
i.e. the credit card companies have failed to implement a one time token for credit card purchases online, so the banks have their own system. You buy goods, click a link, you're taken to your bank where you authorize the transaction using your one time pad.
"Half (53 per cent) said a clear cybercrime reporting structure was needed"
I reported my stolen bike to the police, surprisingly nothing happened, but surely *reporting* a problem is *fixing* a problem!? Or are we just avoiding fixing the problem here, the crappy credit card authorization scheme.