Transaction Monitoring vs Malware

I've currently been looking at some transaction monitoring solutions to monitor bank transactions like wires. It looks like the majority of these solutions rely on artifacts obtained during a malicious transaction. Specifically items like unusual IP address, unusual dollar amounts, unusual recpients, unusual transactions times. 

Its also readily apparent that malware has begun adapting to these solutions, with things like ATS and other advanced fraud mechanisms. My question to this group is, do you still see value in transaction monitoring solutions for financial institutions? 

It seems like the more valuable solutions are those that detect malware in a browser through behavioral mechanisms. For example I believe Trusteer and PrevX have compelling solutions in this field right now.

Is transaction monitoring a solution that had value three years ago, but in todays threat landscape is a pointless "layer"?

Thanks for any advice.

Helly

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