It's also a great filter for the scammers. The people who are non-gullible or medium-gullible will follow. The truly gullible will say "What is the web address?" To which they respond "citibank-support.blogspot.com"

I was probably the Dutch ING or ABN-AMRO, we went through too many banks and between two countries :D.

The Dutch ING now has a new thing where you can verify in the banking app if it's them calling you:

https://www.ing.nl/de-ing/veilig-bankieren/wat-kan-je-zelf-d...

(I guess in some sense it's a step back because the bank is calling you again, but it's nice that you can verify it live in the app.)