When I use my bank's Android application, the app notices that my phone is rooted and puts up a message with a big red "danger" symbol and a message saying "vulnerable device." I totally understand that they do this, because financial institutions always like to be on the safe side. The bank can then say "We warned you!" if someone with a rooted device gets their online banking compromised.
Now, I realize that my phone is less secure than a non-rooted Android device. I believe everyone will readily agree with this. (How much less will obviously depend on many things.)
But the thought I have is, is this really any different from using net banking in a browser running on a Windows desktop? I mean, Windows is also "rooted" in the sense that you have the ability to give "root" (administrative) privileges to any app you want?
So in the sense that they are complaining that my phone has the ability to give "root" permissions to apps, isn't this just like using online banking on a desktop OS that also has that ability?
What if I used online banking from a browser app on my phone? Would this be safer than the app?
Would using online banking in a browser app on my phone be any different from doing it on a browser on a Windows desktop? (Both are browsers running under a "rooted" OS.)