Most DRM / banking apps work fine for me through the browser and you can add them to your home screen. Android / Samsung Pay will stop working, but if you have a Garmin watch, you can still pay with that.
Yes some banks still allow classic clunky 2FA(sms, card readers, sometimes SIM generators) but it'll all eventually go away in favor of "locked and favored" os unless legislation fights against it.
Fortunately, they backed off and decided to abandon the proposal after massive backlash. But we don't know when we will see a 2.0 version of that.