Fraudes com PIX e boletos superam furtos e assaltos no Brasil (youtube.com)
24m Brazilians have been victims of digital scams. How about don't use that technology?
If banks want to avoid their customers being scammed in the name of the bank, just send them a code any time you want to communicate with people, they call your official number (or app) and type in the code and get your message. Not complicated. Anything from a bank that's not a code is a scam.