Comment by dathinab

I mean gov id app really doesn't matter (for now) you can just use you id card which is credit card sized. (For now has things might change wrt. age verification.)

But banking apps are a problem.

It's not even about the main online banking (you can use a web portal) or storing a EC digitally in you phone (convenient but really unneeded).

The problem is dump, misguided 2FA apps. E.g. credit card 2FA which already mostly required Android/iOS to work or even online banking login 2FA, transaction 2FA etc. with same requirement.

Currently for the later I can still use other methods but for a huge amount of Banks where I live you can't use a credit card (reliably) without Android or iOS as "carrier" for an 2FA app.