Some banks are still running windows 98 internally, admitedly so long as said system isnt connected to the internet it should be fine.

Have you ever rooted an android phone?

The google SafteyNet Attestation is the precursor to browser DRM. It's essentially phone DRM.

There are many banks that have apps that require you to pass at least the basic level attestation, if not the CTS profile matching that fails the moment you modify any system level resources, even the bootloader

luckily you can force disable CTS so it falls back on the basic level, for most apps at least. You will never have access to Google or Samsung pay though, as it actually knows your phone model should support CTS and will autofail if it no longer reports that it does.

Alongside that apps like Pokemon GO and Netflix also require at least basic attestation to function - demonstrating the DRM and anticheat capabilities of such a system.

Yes, US banks.

Banks in europe are much more up to date with tech.

They have APIs to sink transactions with external providers like nordigen API.

They have 2FA that is linked to your national identity card which is chipped

Nationally used apps that are universal 2FA linked to national IDs that banks, medical, and government services all tap into

Everything is contactless payment nowadays, the US just recently started contactless cards

Inter-bank transfers without external apps like venmo

There are MANY problems with EU people getting their banks to work on a rooted phone.

They will absolutely implement DRM if someone sells the bullshit to them under the illusion of "safety."

Hell, the US had handwritten "vaccine cards" for covid while European nations even had open source user spinoffs on nationally funded apps linked to national IDs to manage COVID vaccination and testing passes.