That is the opposite of what they want. Do you think whatsapp and a banking app will allow installations that let them track users less? With banking I can sort of understand it, they have to protect the lowest denominator (reused password, no 2fa), so barring different installation methods that are used for "anonymous" purposes I can sort of understand the reasoning behind. but something like whatsapp where the main commodity is your data? Hardly their priority.

Shut off the 'normal' smart phone when you don't need it (for banking or what have you).

Use the web version of Whatsapp (https://web.whatsapp.com/) if you must use it. You could even consider having a WhatsApp specific phone if you have an older model that you've upgraded from that contains no other data.

That was my solution anyway.

I'm at the point in my life where I don't really need proprietary apps on the go, so my "full take" device is a tablet that mostly stays home.

My bank’s app is essentially a wrapper around their mobile site. I can’t think of any specific features it has that require it to be an app, both technically, and in their implementation.

Check deposit may be the only feature not available in the mobile site. It’s certainly not a technical requirement that they can’t implement that though.

For $150 it's quite a good deal. Plus, the software stacks are quickly improving, especially Mobian.