Same in Sweden, physical bank branches are rare and even they will often require an appointment. All banking is through bank apps or websites, and you use 2FA extensively. Sweden's digital ID system is called BankID because it was made by banks and, initially, for banking, though now BankID is used extensively for all kinds of government and private services.

That doesn't stop scammers. They also keep getting more sophisticated, often using a combination of social engineering and technical skill, and they keep tricking people into giving them money. So unfortunately, while malware is pretty much a non-factor, scammers still thrive.