Regulators and courts used to ask what your disclosure said — the app era's question is what version of which screen this customer saw, and the answer is an engineering artifact.
A Canadian airline paid for its chatbot's invented discount policy — the lesson traveled, and financial apps now treat conversational interfaces as regulated speech.
The gatekeepers' exclusivity broke first in the courts, then by statute in Europe — and finance apps now design distribution strategies against a three-map world.
The store lets customers run a three-year-old binary — the regulators do not; version governance is the quiet control between those two facts.
Most of a banking app's binary is third-party code — and the malicious-SDK incidents taught the market that the store review is not your vendor diligence.