[dynamite]

If someone impersonate bank staff and defraud at the bank who is responsible.

Similarly hackers impersonate the bank through sms ....it is the bank who design this communication method hence is responsible for the security.

Technically the money is stole FROM THE BANK not FROM THE CUSTOMER..by scammers exploiting weakness in its system. The customers have to be compensated.

Where was the money transferred to? For kidnap case usually can track who receive the money.