Like other ktards said, it's best to have 1 phone exclusively for banking purposes especially since the elderly tend to have substantial savings in bank.

U don't need to get a high end model, mid range will do & main thing is manufacturer will still support the phone with updates for at least 5 years. Also helps to have antivirus like norton/malwarebytes installed.

Buy the phone physically from official shop, don't take chances with online purchase third party shop.

E wallet best to put.in just enough to.last throughout the week & on weekend help transfer for your mom from main bank account.

If you want to put a lot of.money in t&g to get interests then best to use another e wallet for daily use.

That's why it's best to get 2 phones especially for the elderly as they have a tendency to download anything.

1 phone just for banking activities & nothing else. The other is for day to day use.

Even if they are cautious & don't simply click/download anything. Others in their WhatsApp group won't be so cautious & simply forward anything & may accidentally click on it.

The problem is that in every WhatsApp group, there is always 1 or 2 morons who everything they simply post forward & I don't mean just the elderly do that.