This is a popular thing to say, but is an oversimplification...

Call it anec-data but all my banking apps work in GrapheneOS, and I have several installed. There is one that reduces functionality if SafetyNet fails (have to do the 2fa flow every time I restart the app, can't set as a trusted device and notifications don't work) but it still works to access my account.

That said... I haven't tried to use NFC payments and do carry around a secondary iPhone 15 as my "business phone" these days that pretty much just has payment/banking apps on it, just in case one bank or another decides to suddenly nuke their app on my main phone...

After I got the screen replaced on my previous phone the fingerprint reader didn't show up, and I didn't bother to try fixing it. I hadn't specifically requested a new panel with fingerprint reader, but supposedly it could be enabled, if available, through tools Google provides for Pixels with their Tensor chips. Apps that would otherwise use the biometric authentication can fall back to a pin or pattern, but all of my banking or work benefit-related apps will not save credentials in that case, so I have to rely on my password manager which will use the PIN/pattern for authentication.

I replaced that phone with a new one and didn't bother setting up the fingerprints. It doesn't seem to bother me too much and maybe there's some small security benefit to not having the biometric authentication enabled.

My bank doesn't even allow me to have USB debugging enabled