well no one to force you to do banking from smartphones

You can do manually like the old days, EXPLICTLY ALLOWING NON GOOGLE/APPLE to do banking in their own mobile phone meaning THERE ARE MILLIONS OF USERS that can fall victim to scammer+cracker

how cant you see all of that???? ITS JUST NOT ABOUT YOU

edit: please educate first, y'all need to know differences between mobile banking and internet banking

You can downvote me all you want, but I don't want to hear lecture from non-security compliant engineer about what to do about security