Yeah that confused me about the article. I've never heard of SEPA direct debit fraud, as my understanding is that SDD requires a notification to be sent before

Yeah that confused me about the article. I've never heard of SEPA direct debit fraud, as my understanding is that SDD requires a notification to be sent before any debit is initiated to give time to the user to block it. It surely can be an issue but I'm not familiar with people refusing to share their IBAN number because they're afraid of random charges, which is a thing for ACH numbers.