[Bigbluedot]

1. Customer did "click ' by being tricked by scammer. But why scammer can change limit and add a payee so easily. ? Bcoz the security is not tight enough. Some banks dont allow limit to be changed auto online.
Example is cimb bank requires me to email them abt the req change and they call back to confirm. Not online thingy.
2. Even if the banks use the industry standard software solutions, they cannot just sleep there.
You should know that softwares change at near lightning speed.
Your solution is obsolete but you still kooning whereas scammers can take advantage of the new capabilities.