331 karma · joined March 1, 2019
The harder we make it for scammers, the worse it is for them. I'm not claiming this is fool proof - scammers might be able to generate a png on the fly and inject that as the image like solrdev mentioned in another comment. They would still need to match background colors or possibly jump through some other hoops. The more work we make them do, the more likely the are to mess up. It also makes it more obvious to the person being scammed.
In terms of deleting the image and inserting text instead, I've tried it and it's hard to make it look good quickly. You also see instant feedback of the missing element and then the text coming in. It's a cue that something isn't quite right.
Web scrapping shouldn't be a requirement of personal banking websites. Am I missing something here?