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I have been the victim of Internet fraud to the value of �24.5K and readily accept that my bank probably CAN'T DO MUCH to identify the fraudster(They could however improve their protection by adopting a card reader,as with most others)
However I also have had my ID stolen and the thief, who profitted by a similar amount, before PLEADING GUILTY to her fourth theft, I am advising the companies she setup accounts in my name, that she will, regardless, HIT THEM AGAIN, not likely to be successful in my name, but someone else's less protected - UNLESS THEY TREAT HER ROBUSTLY
A serial fraudster will have it in their blood and I think it is dispicable for financial companies to sit back and let it happen again and again, letting insurance take the strain
I appreciate this known fraudster scenario does not reflect the majority of cases