Seperate browser for Clearnet /KYC

For example “mullvad-exclude trivalent”

I actually go further and have seperate VMs with different networks (VPN1, VPN2, whonix, i2p, or clearnet

That way split tunneling feature Is not needed and I can have 2 mullvad clients on lockdownmode connected at once

What’s changed to make banking apps more necessary?

Second phone just for these things wouldn’t work for what you need?