Question Banking apps and Google Wallet on rooted phone?

[YossiD]

Cross posting from XDA forums; I hope that's ok.

I have a Xiaomi Redmi Note 8 Pro with Android 10, MIUI 12, Indonesia ROM. Dialer is True Phone, and I rooted the phone to enable call recording, which also required True Phone Stub module in Magisk.

Now I am trying to use a banking app that won't run on a rooted phone. I'd also like to have Google Wallet if possible.

ChatGPT Agent made a valiant effort to help me fix this, but to no avail. This is what I tried:
* Installed these Magisk (v29 with Zygisk) modules:
- MagiskHide Props Config
- Shamiko
- Play Integrity Fix (then removed to avoid conflict with below)
- Universal SafetyNet Fix

* Added the banking app to the Magisk Deny List

* Changed system fingerprint to Pixel 4

* Removed True Phone Stub module from Magisk to check for conflict

* Deleted cache and data from Google Play Services, Google Play Store, Google Services Framework apps (many times)

* Checked frequently with Integrity Checker: MEETS_BASIC_INTEGRITY = yes; MEETS_DEVICE_INTEGRITY = no; MEETS_STRONG_INTEGRITY = no

No joy after hours and dozens of reboots later.

Anything else I should try?

 

[SpookDroid]

I don't think it's possible. For obvious security reasons, banking apps and digital wallets started moving away from allowing rooted devices and are very stringent on their requirements. Other than a modded app, don't think you'll be able to (and whether or not you trust someone that modded an app with access to all your financial data and payment methods, is up to you...but also the risk app devs are trying to avoid by nuking rooted devices from their working list). Note that some services, like digital wallets, further check this on a server level, so chances of a modded app working are still slim.

 

[mustang7757]

I'm with Spook on this as Root phones are not secure for using banks, wallet ect..

 

[YossiD]

I understand why the banking apps don't like rooted phones, and I don 't mind unrooting the phone so I can use them, but I still want call recording with True Phone. Does anyone know a workaround for that?

Is there possibly a custom ROM that will provide everything I want, without sacrificing and functionality or security of the stock ROM?

 

[SpookDroid]

Can't speak for call recording, but for banking apps and mobile wallets, if the phone OS is modified in any way (i.e. any custom ROM), they won't work.