Banking is one of the domains where you will encounter the bleeding edge of sophisticated bot/malware detection. Banks lose billions to fraud and theft. They will pay top dollar to detect and prevent it. Likewise, since the thieves can make so much money bypassing it, they will in turn be extremely sophisticated with their attacks. In short, you’re going to have a bad time. The easiest suggestion mentioned here is to buy a cheap phone and only use it for banking.

Additionally, most scammers don’t even bother trying to emulate phone platforms. It’s easier to buy lots of phones and install custom software that allows a bot farm to remote control it.