This problem goes beyond banks to the very core of all we do. How do you know you are talking to a real coworker on zoom?
Maybe governments will create real digital IDs and ubikey like devices and also backed up by phone 2fa etc. The more accounts you need to hack to impersonate someone the harder these attacks will be.
With what AI can do now in presenting itself as a human better than most humans - not sure how you could possibly identify humans at scale…