The latest version of the Zloader banking malware is (also) exploiting a Microsoft Signature Verification bug (CVE-2013-3900) for which the bugfix exists since 2013 (see for example here for more details). In this case the security issue is not due to users not updating their systems with the mandatory security patches but to the fact that the patch is optional and should be installed manually.

The problem is that the stricter signature verification implemented by the Microsoft Authenticode patch which fixes this bug, has an extremely high risk of false positives in many situations, for example some installers can be identified as having an invalid signature. So Microsoft decided to let the user decide if the patch would create more problems than solving some.

The Zloader malware uses this “bug” to be able to run some modified (and then unsigned) libraries. But this requires that the malware is already on the system, so applying this patch does not prevent a system from being infested by this malware.

The issue that, again, this event points out, is how difficult it is to balance strict security, in particular if cryptography is involved, and usability / availability of systems and services.