In their defense: They used to be pretty good, before international money laundering became a giant thing. After recent regulations there are very few reasons for why they would want to accept foreign customers. Just too much risk.

I agree that something needs to be done.

They have been innovative in the past:

1996/1997: Mass adoption of two-factor hardware devices providing secure authentication for online banking.

2003: Leveraging the two-factor hardware devices to create BankID.