not-a-rola Nothing stops banks to implement the hardware attestation as well, but they keep sticking to Google for compliance. The root cause is not technical.
here in FR there is a sort of "massive exode" of people closing banks account whom bankers requires mandatory apps, as people know that :
-either it requires android or iphone, so google/apple tie
-it mostly requires to get it from gplay, with gservice, on a G-running phone, as people starts to hate G
-they know that they will have to update and update and update over the years, that in five years their hardware wont be supported anymore..
so due to those multiple reasons, lot of people is recommanding to everyone having a app/smartphone-forced bank, to just close up the bank account and definitely leave the bank. Instead the recommandation is mainly to obtain a small free-device, provided for free by (smarter) banks, to avoid application way.
and lot of people starts considering about rejecting their smartphone, for the following :
in the 2000s, having a mobile cell phone was a huge luxury for the subscriber
in the 2010, having a smartphone was a big comfort for the user
since the 2020s, it's inverted : having a smartphone is full of obligation for anyone wants to benefit with a service, luxury and comfort are just forever gone.
the "no smartphone/no apps" way of life is still a bit small, but increase slowly but certainly, especially due to banksters who "thinks" they can force the customers to use only mobile-app to do all operation, as people prefer SMS to validate them, as it work on non ios/android-like devices.
Plus with the gafam-reject of those years... Just to be logical, Android/AOSP is the little jesus of G, for G, by G. Any AOSP will always ever depend of G, and it's just a matter of years to see it closed to proprietary (inelucable)
thats why here, when people hear "my banks want to force me to the app", generally the response is most and most "hey dude, just close the account !"
that's what is coming with Boursobank, very liked because it's efficient, and wasn't forcing "the app", until next month, when they said "you can't do with the app starting 2025 apr.", as tons of people on the internet complained, here and here (i can't put links because it wont match with new accounts policy on discourse)
there are lot of calls to close up their bank acc requiring now "the app" to do everything, and to give up the smartphone. It's sad, but forcing people using "only app" they understand it's just the evil's hand into tha pocket. They are not wrong (i have zero app in my life)
that also what they call as "enshittification". Revolut is the king of that, many people dont support over the fanboys of their banks, that are the only one to be worst than the apple's one.