"Government pressure" NO. "Accountablitly to legitimate customers" YES
Your argument is an example of the current behavior of these self interested . pocket lining greedy bastards. Screw their customers as long as they get their cut.
First accountability to the stockholders instead of the customers is the underlying flaw in modern economics. (emphasis on LYING).
It is simply the institutionalization of the old monarch mandated "monopoly" system but without cutting in the monarch (screw him too!)
The banking/finance industry constantly advertises they are doing things for You their customer.
Bullshit. If they were they would have done somthing about this problem a long time ago.
As another poster noted. They know how to recognise this type of fraudwithout some outside group doing a study for them.
I worked with a guy in the phone industry in the USA who developed a method to detect fraudulent calling card charges ON THE FIRST CALL. It worked so well the manufacturer of the switching equipment invited him to their facility to educate them on it.
So YES I expect they should be looking for this type of fraud. For the benefit of their customers who are paying them to perform AND protect their transactions.