Well in this situation where my bank have determined my card has likely been compromised enough to block a transaction I think i’m happy for my card to get blocked.
Don’t get me wrong i’m not saying for this to happen for every transaction I’m saying this should happen when their machine learning fraud detection has determined that a transaction is so unlike a users behaviour it wasn’t them when they are almost certain it was fraud. But still give the user a nice UI to say it was them?
Ultimately if I haven’t responded to the notification it should revert to blocking the card and await user action, if there is no user action in X minutes then auto dial out.