Federal regulators may soon outline more stringent steps that commercial banks need to take to protect business customers from online banking fraud and educate users about the risks of banking online. Experts say few of these solutions can protect customers whose systems are already infected with password-stealing malicious software. Few banks have put in place technology on their back-end systems to monitor customer transactions for anomalies that may indicate fraudulent activity, much in the way that the credit card industry sifts through data in real time and alerts the customer if a transaction or set of transactions deviate from that customers usual purchasing habits.”]
Source: https://krebsonsecurity.com/2010/03/regulators-revisit-e-banking-security-guidelines/