I have two banking apps installed on my device:
https://play.google.com/store/apps/details?id=com.infinum.rba
https://play.google.com/store/apps/details?id=hr.asseco.android.zaba
It is impossible to transfer the app data on the same device between factory resets in a way where it is not needed to reactivate the apps using the activation process of the given banks. I've tried backing up the apps and their data using ES File Explorer PRO and App Cloner Premium. I've also attempted to copy the app data and the apps manually between system to no avail.
Since the device is the same, the IMEI is the same, the operating system is the same, i see no reason that the app data couldn't be reapplied after a factory reset, resulting in a fully functional mobile banking app - however I've found no way to do so, nor have i found which mechanism the apps use that prevents doing so.
Help me out here.