I glanced at Ubuntu Touch, but its device compatibility looked severely lacking (https://devices.ubuntu-touch.io/).... I have old Pixel phones I could potentially try it out on, but the last Pixel phone that is officially supported is the 3a. So that is a bummer.
There are decent Linux phones you can buy now, such as the FuriPhone FLX1 (Debian), Volla Quintus (Ubuntu Touch), Jolla C2 (SailfishOS) etc. The best part is that all of them also support running Android apps (via Waydroid or similar compatibility layer), so you get the best of both worlds.
Re: banking, not until adoption of non-Android and non-iOS devices grows. To break this chicken and egg problem, one can get an Android phone and use it exclusively for the banking app, treating it like one of those hardware security keys the banks used to give out in the early 2010s. One used to just leave it at home; maybe take it to work occasionally. Another option is to live like the early 2000s and go to an ATM/bank for all bank things, including account consultation.
My bank in Australia has a great desktop website, but you have to do 2FA on your phone to access it. That means even though I prefer to use the desktop site, I still need to be able to run the app too.
The biggest bank in the Netherlands at least requires the app to confirm payments. Although they do still have these paper slips (maybe) for transfers but that cannot be used for ecommerce
> The biggest bank in the Netherlands at least requires the app to confirm payments
This is (I believe) part of PSD2, so basically all EZ banks require this now. Hilariously enough, they still have absurdly weak passwords but apparently they meet security requirements by forcing you to confirm stuff on your phone.
Written (on paper) transfer orders. You fill them out at home and throw them into a special mailbox at the bank. Old people still use them, I even used them occasionally 20 years ago or so because they sometimes came with invoices, pre-filled with receiver details, so they were about as convenient as online transfer.
Ubank in Australia just told me they’re retiring their website in a few months, the app will be the only way to access your account. It’s digital only, so no real world branches either.
WhatsApp works with your phone number. If you have someone's number, you have their WhatsApp. And since basic text messaging is terrible and RCS still isn't universal, WhatsApp is used.
Because WhatsApp is really good, much better than SMS, and everybody uses it.
Meta only bought it after it was already the de facto standard. And to be fair they are only just starting to ruin it after quite a few years. So I would say the world made a pretty good decision there.
Moving to an open operating system and improving existing Android emulation is the first step. Once we have enough people on our alternative system, native apps can follow.
We do not have to choose the lesser of two evils this time.