As popularity of online banking services has grown exceedingly among Finnish consumers, it has become necessary for banks to provide their customers with safety advice against the emerging threat of card-not-present fraud (CNP) in order to protect them from monetary losses. However, it is unclear how effective this advice is and how well it is filling its purpose. This study aims to fill this gap and examines the advice provided by Finnish banks in order to protect their customers from CNP-frauds by applying an economical approach to the criminological field. A multilayered approach including a literature review, a web page quality assessment and a qualitative interview was used for this purpose. Contributing to existing literature on the enabling and constraining influences within the financial industry, this study increases the understanding of why Finnish banks’ are homogenously tilting the balance towards their own private interests rather than public good.