I know this is a stupid question even before I ask it, but is there any chance at this point of seeing something out of the scope of Apple and Google for mobile?? Will the bank apps ever allow people out of these two players
No, because it is near impossible to compete with "free" and totally impossible to compete with "free-and-you-can-use-ad-block."
The truth is that these corps are so entrenched because people love love love the ad model. I mean, they hate the ads, but they are so sold on access being free that introducing a cost would come off like charging money to walk in a public park. Totally confusing.
And frankly the other path wouldn't be all roses either. There would be a wealth divide in technology where poor people wouldn't be able to afford to use all the stuff available to them now for free.
If you are referring to banking apps, I just don't use banking apps that don't work on my degoogled phone thus granting them the low fraud risk they so strive for with forcing locked devices.
You're free to make one, and bank apps are often less locked down than you think - try them yourself instead of accepting possible FUD. Also your bank 100% has a checkbox on your account they can click to disable any phone hardware requirements on your account.
Motorola is planning to release phones with GrapheneOS. So far only expensive models have been confirmed, but I assume cheapos should follow.
Of course they're not doing this out of good heart. My theory is that China wants to have a popular smartphone that is completely independent from US companies. But hey, once upon a time Google were "the good guys" too, so enjoy the party while it lasts.
An interesting point is that it's important to have powerful China around because they're a capitalist competition to the US.
We can’t even get some of the largest banks to do competent 2 factor, after all these years. The idea that they’re going to produce feature parity on peculiar platforms does seem like a big stretch.