But with a traditional bank you can just walk into the office and have someone check why you’ve been flagged and what to do next, right? At least that’s my experience. With neobanks you’re at the mercy of algorithms, UI designers, and a customer support with little direct power when such a case arises.
I'm speaking about Wise, as their logo is featured as a client of a fraud prevention platform. This makes it easy to imagine the kind of risk scoring they might use for their client accounts.
However, I'm not aware of large banks using such online fraud prevention services. For example, in France, there's one major vendor that powers most of the banks. If we look at their client area, there's no indication of fingerprinting.
Since device fingerprinting is included in most online fraud prevention systems, I can assume that traditional banks in France are not using these kinds of tools to screen accounts. But perhaps you have another source of information.
My 170-year-old household name bank does device fingerprinting. They even advertise it as a positive ("our security systems detect and stop unusual transactions, keeping your money safe" or something on those lines).