> US and EU the banks wouldn’t have the capabilities either, it’s simply too much to deal with. You can’t flag everything as fraud. They can certainly try. I’v

> US and EU the banks wouldn’t have the capabilities either, it’s simply too much to deal with. You can’t flag everything as fraud. They can certainly try. I’ve had a handful of legit fraud instances on my accounts, banks detecting before I do has been close to a coin flip. On the other hand, I’ve had at least an order of magnitude more false positive detections of fraud.