I am a fan of the creativity AV Labs uses in their tests. However, this time they "crossed the line." AV Labs is not an AMTSO member: https://www.amtso.org/members/ . Therefore they are not bound by the AV lab testing standards established and jointly agreed to by all AMTSO members. One is advised to stick with an AMTSO member AV lab when determining the effectiveness of their security solution against banking malware; and all malware for that matter. One such lab is MRG which has performed quarterly banking malware testing for some time: https://www.mrg-effitas.com/wp-content/uploads/2019/01/MRG-Effitas-2018Q4-Online-Banking_level1.pdf. In this report, refer to the section titled "Samples used in the In-the-Wild real financial malware test" as the proper way to conduct a banking malware test.