Once customers become used to a new way of paying, competitors offering similar products certainly have a difficult job trying to convince them to switch providers. With their collective push for online payment transactions, German credit institutions therefore find themselves in the unaccustomed role of the attacker.
As noted earlier, we have known most if not all the pieces of this puzzle for at least 30 years. In the next 30 years, we must solve the puzzle. Not solving it would be an Epic Fail, really failing future generations.