[forum456]

The thing is how do you proof that it is the bank's fault and not user's fault. After all, user did clicked on the link in the SMS.

The tricky thing here is whichever bank that is involved, did they used a industry wide accepted technology/standard? If they did, then it may be hard to fault the bank, since every bank else is doing the same thing. If an industry standard is found to be wrong, then it will be like opening up a can of worms where every bank can be sued..

It is responsibility of the bank to trace the electronic trail and report the receiver of the money to the police even if it is overseas.
Is OCBC doing it ?