@lrvick
Ah yes, app-enforcement.
My bank requires an app now. So I got a separate phone that lives in a drawer and is just used for this (as I do not trust my "daily" phone enough.

The bank detected the device as suspicious and called me for every transaction to confirm it is me who actually wants to pay some bills. The people on the phone are not allowed to tell me why my transaction is suspicious. Maybe it it because I use a phone without any data on it, without a sim, without a Google account, ... ; I told them we can continue to do those calls, but I will inform everyone who receives money from me about the story and that the payment will be late a few days because my bank is stupid and wants to call me for every transaction. I now know there are like 3 people there that do those calls and they were at least as annoyed as I to call me. This ended after a few weeks but was quite annoying.