Something else that platforms like that, and for everyone else, is a standardized means of communicating with banks. That way it is not up to the bank to build and maintain apps for seperate platforms. That one devices like Punkt could build alternative apps to do these kinds of functions.
Great in theory, a nightmare in practice. It would open up the means of fake apps to steal details. Also as the XKCD comics said - You have 15 standards, lets make a new better one, there are now 16 standards.
Side note on Punkt. They have one of the best monthly emails and I would highly recommend. Usually only a 2-3 minute read, lot of promoting their alarm clock (whatever) has a decent book recommendation and occasionally a link to a short article.
Aren't they all fully functional from their website? Pretty sure it's even still possible to obtain standalone hardware tokens with at least a few banks, if not all. Using a smartphone app is just an option.
Maybe we should back up before smartphones.
Even back up before desktops.
Could 2023 be the year of the Linux alarm clock?
Also, is it free software? I know I only said "Linux phone" but we are in the realm of FOSS on this thread...
Not advocating for this, I do not own one, but I'm pretty sure this substantially covers all goals listed minus #8 (plus an unlisted one - Signal integration).
I investigated and considered this option carefully. Ultimately ended up doing a Pixel running GrapheneOS (no microG) as a stop-gap until I buy either a Pinephone or Librem, once those are a little more usable.