@Edent The banks seem to think they can "technology" their way out of social problems.
Social problems (e.g. social engineering), require social solutions.
Sorry shareholders, that means keeping bank branches open, for longer, so people can meet, in person.
@stuartl
No bank is going to keep its branches open 24/7. So all a scammer needs to do it attack at a time you're awake but your nearest branch is closed.