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Japan forces Apple and Google to open their mobile platforms • The Register
(www.theregister.com)
this post was submitted on 13 Jun 2024
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There's no way anyone in Europe can use a bank account without a banking app. As I said, even if you log-in on a browser on a laptop, authentication still requires you grab your phone and use the banking app to authorize the log-in from that laptop once in a while, or any transaction.
Unfortunately, the solution you propose is technically too advanced for most people, including me. Is using GrapheneOS with its sandbox feature good enough of a protection?
I'm in Europe, and I don't use banking apps. For the most part anyway, one of my credit cards pissed me off by switching to app only, then eventually I relented with one bank because I wanted a 2nd account that required the app.
Banks either verify by SMS (lol) or provide a passkey fob.
GrapheneOS should provide some measure of protection. You can also perhaps disable some tracking features using something like Warden (requires root) - although this hasn't been updated in years and probably misses stuff now.