Pay securely with an Android smartphone, completely without Google services: This is the plan being developed by the newly founded industry consortium led by the German Volla Systeme GmbH. It is an open-source alternative to Google Play Integrity. This proprietary interface decides on Android smartphones with Google Play services whether banking, government, or wallet apps are allowed to run on a smartphone.
Some countries are all-in on the digital transition and for a lot of things shops don’t even accept cash anymore. Digital QR code transfers are preferred. Be thankful that the banks that you deal with haven’t gone down this path.
2 factor TOTP exists and is secure enough for corporates to have adopted long time ago. Banks can adopt similar authentication methods but choose not to.
On the OP, not sure what the solution could be. However, going down this path seems flawed.