Hmm, dear @amico! I personally never ever had any problems with my bank accounts, just lately my bank called me up to ask if I had made a financial transaction with my credit card, which looked very fishy to them. The bank stopped the money transfer right in time. And it were some criminals who somehow got my creditcard number. So, I got a new creditcard with a new number from my bank. So, I am very happy my bank reacted so fast.

The future of money transfer though will be the blockchain. No doubt about it.