I would put the focus on having capable web-banking. I never install the banking app on my phone.

I must also be getting old, because I don't get the big fuss about NFC payments. Firstly, I'd never use them if they go through Google/Apple. But even when/if they don't, it's not a big deal to use a card, isn't it (if you hate cash)?

> And the 50% of banking apps still wont work because it wants an android signed by google.

Where do you get that number from? All the banking apps I've tried work on GrapheneOS.

> And no tap to pay.

There are countries where the payment terminals show QR codes, and banking apps work by scanning it. No need for NFC :-).

The new payment networks are not an independent app. They are a protocol your banking app has to implement, so unless your bank supports non-Google phones you are out of luck (not my case, thankfully).

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