The app does fingerprinting and requires certain secure device profile characteristics before the app lets a user initiate certain kinds of financial transactio

The app does fingerprinting and requires certain secure device profile characteristics before the app lets a user initiate certain kinds of financial transactions. Those are based on APIs available from the mobile devices. Google and Apple can offer other means by which to secure these things, and to validate that the device hasn't been cracked and is submitting false attestations. But even a significant financial institution has no relationship with Apple on the dev side of things.. Apple does what it decides to do and the financial institution builds to what is available. These controls work -- over time fraud and risk go down.