I meant a bit like: Let's say you have 2 mobile phone operators in your country ( duopoly ) we are ok that for example using SMS for banking interaction ( second factor etc )

I think this is a process; and somehow slowly people accepting those levels, and in a society it becomes normal ( to have whatsapp for friend group, to have facebook for family photos etc etc ) and you are being left out eventually if you are outside of those norms.

So it is not so different for bank to require something like google provided software.