Bank apps - as per him none work. Uber (no Lyft here; other taxi apps) work flawless. Payment apps, he said is a coin toss. On his phone even WhatsApp doesn't work. He anyway prefers Signal (which prob. nobody else uses in his circle except maybe me who has it installed on a secondary phone) or plain SMS. Basically most of the "normal" apps that add integrity checks don't work but he is fine with that.