The second app is often the Aurora Store app store app, from within the F-Droid app, which then lets you install Google Play apps without having to have a Google Account:
https://f-droid.org/packages/com.aurora.store/
With these two apps installed first, on any Android device, whether locked or not, without any need for any computer or any other device, without having to type-in any Google Account details, you can then do pretty much whatever you require on the device, including installing bank apps, Amazon, Amazon Music, Audible, Prime Video, etc.
Sadly, iOS has no alternatives like this. Apple proudly reports terminating 128,961,839 customer accounts in 2024 (yes, Apple has terminated 129 million customer accounts in just one year), and they do NOT allow using an iOS device without an Apple customer account:
https://www.apple.com/legal/more-resources/docs/2024-App-Sto...