They are, when it comes to bank fraud. Particularly the UK. See, for example, a lot of Ross Anderson's work, such as: https://www.benthamsgaze.org/2016/06/02/in

They are, when it comes to bank fraud. Particularly the UK. See, for example, a lot of Ross Anderson's work, such as: https://www.benthamsgaze.org/2016/06/02/international-comparison-of-bank-fraud-reimbursement-customer-perceptions-and-contractual-terms/ https://www.benthamsgaze.org/2016/06/02/international-compar...