You suggested that having a VPN installed (not using) would be enough for a bank app to fail working. This can only work, if the bank and the bank app can detect what you have installed on your phone, so I am not putting words into your mouth, you actually said them, no matter you appreciate them or not, you cannot tell nonsense here to people with problems with their phones. the VPN app has nothing to do with the failed apps / apps not working. Even Apple apps seem to fail working with some, how to explain that? Would you suggest then that Apple is actively bricking phones that have VPN's installed and this is by design without prior notice to apple owners?? No I do not think so.
You are actually putting words in my mouth or English is not your native language.
I did not say that scammers do not use VPN's, I said that ordinary people should all use VPN's, why else will they advertise on scammer payback and actively being promoted as a safety measure to prevent data theft, the whole reason scammers can target you because they got your info leaked.
My VPN is blocked by Youtube, at least some servers, in general I need to use for example a Switzerland based server as location to access youtube with a VPN. For my banking, my banking app has no permission to see my location therefore it is not relevant, banking apps should not require that permission in the first place. for your own safety you can allow it though.
But especially for the reason of using a VPN, I don't and I can access my banks (all of them) from anywhere in the world, if needed, with any IP address. I have MFA for every step in my banking app, that is more secure than any location service preventing me to log in.
One remark here, due to massive DDos attacks on my bank 2 weeks ago, originating from Russia, the bank took preventive measures to keep the connections working to limit access by own country IP addresses only, so I switched to a local server from my VPN provider and I had access again. ;)
This reply applies to all my banks but I must say it is a bit off topic won't you say?
conclusion:
- VPN's are good,
- scammers are bad and also use VPN's (at least the smarter ones)
- Banking apps do not see if you have any other app installed and therefore cannot be the reason for not working if a certain apple certified app is installed (like OpenVPN app).
- VPN apps installed have nothing to do with the problems everyone has with this update, so do not spread this kind of false information please.