Are there banking customers in Europe who do not use mobile banking apps

Are there European countries that actually force, cf. coerce, banking customers to purchase mobile phones and run corporate mobile operating systems

https://en.wikipedia.org/wiki/List_of_countries_by_mobile_ba...

https://sqmagazine.co.uk/mobile-banking-statistics/

One approach is to use one phone (A) for banking and other commercial transactions and use another phone (B) for everything else, e.g., personal communication with friends, family, etc.

Phone A can run corporate mobile OS

Phone B can run alternative OS

Arguably, the data collection, surveillance and advertising exposure when using phone A is tolerable if that phone is only used for banking and commerce

The problem arises when someone tries to use a single phone for every general computing purpose

If that phone is running a corporate mobile OS, then that may expose the owner to an excessive amount of data collection, surveillance and, potentially, ads