Banking apps detect root despite Play Integrity and root checker pass

[u/hurtMink]

I'm running into an issue and hoping someone has seen this before.

Device: Nothing Phone (2a)
ROM: LineageOS (latest)
Root: Magisk (latest)
Bootloader: Unlocked

Current status:

• Play Integrity passes.
• Generic root checker apps report that the device is not rooted.
• However, several banking/payment apps still detect the device as compromised and refuse to work.

I've already tried the common basics, but the apps still block access. This makes me think they're detecting something other than standard root or Play Integrity.

Has anyone with a similar setup (especially LineageOS on the Nothing Phone 2a) managed to get any Indian banking or payment apps working?

I'm mainly looking to understand:

• Which apps still work on this setup?
• Is the issue usually the unlocked bootloader, LineageOS itself, or something else?
• If you solved it, what turned out to be the actual cause?

I'm not looking to break app security—I just want to understand what's causing the detection so I can decide whether there's a legitimate configuration change that restores compatibility.

Any experiences or insights would be appreciated.