And, of course, easier to get the valuable data about the person setting up an account.

Like what data? Curious because I built and launched a challenger bank.

What app developers find most valuable is what other apps you use and what competitors apps you have so they can target you more effectively. If you have Peloton or Tonal, they want to know if you have the Strava app on your phone for example.

Only on older versions of Android. Apps are very locked down on what you can get. I would have loved to be able to fingerprint a device when i was at the challenger bank and application list is very good for fingerprinting.. We would fingerprint on the web to detect bots.

Did you know about this workaround? Afaik it's still active https://peabee.substack.com/p/everyone-knows-what-apps-you-u...

> application list is very good for fingerprinting..

So is the personal, private content of my texts, why not go for that while you're at it?

Theoretically any sort of data that apps in a given OS can access through an API.