@Edent

I wonder how long it would take for banks to put in security measures to prevent this if they had to pay for the losses, instead of passing them on to their customers?

"The scammer is on the phone to you.
Their accomplice is on the phone to your bank, pretending to be you.
Your bank send you the notification.
You accept, and scammers proceed to drain your account.

"Someone has just lost £18,000 because of this."