> Just observing: People who don't own an iPhone or modern android are also, generally, of a class -- and probably one banks would prefer to not do business with for profitability reasons.

I don't know about that. There are plenty of retirees who want nothing to do with this "modern technology" while still having large amounts of retirement savings that the bank very much wants at their institution.

Small (and for that matter large) business owners also have a tendency to have complicated financial situations and correspondingly want to deal with them using a computer screen rather than a phone, and that's another class of customers banks are certainly not interested in driving away.

Meanwhile I take it you're implying that the people who don't have a smartphone to do banking on are undesirable poors, but those are the people who do use a phone for banking, because bargain bin Android phones are available for ~$15 and that's the extent of what they can afford for an internet device.

Whereas the people using the likes of GrapheneOS might well be a small percentage of the customer base but they're still generally the class of customers the banks like, i.e. tech people with upper middle class financial situations.