You've got a lot of people contesting the "often" part but I'll also add that there's a project tracking banking apps that do work: https://privsec.dev/posts/android/banking-applications-compa...

My tiny local credit union app isn't on there, but it worked fine. I miss wallet a bit and it's a shame that there are important apps which still refuse to act reasonably, but I don't think it's really that bad.