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I can't root my phone because I don't have an image for it (Moto G73) although I'd like to, but for some reason my banking app thinks it's rooted and refuses to work. This happened just after I updated it, it wasn't happening before.
Edit: I'm regretting not getting the Motorola Edge 40 Neo, which also costs £250, but is slightly better in multiple ways, and seems like it has better root support.
They can create interfaces to buffer our experience with their back end (the COBOL running the actual transactions), which is largely what they're doing.
The COBOL back end basically just acts as the service that handles the data that represents the money and accounts.
Not having advanced security options, even as simple as complex passwords to allow clients to access their accounts can be managed by the intermediate layer between the COBOL service and the UI, and there shouldn't be a reason for such limited password length or restrictions on MFA.
The fact that COBOL runs they're back end doesn't excuse the terrible front end, especially on applications for mobile devices.
This has been thrown around as reason why things suck so hard, and bluntly, it's a piss poor excuse if you ask me.