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this post was submitted on 02 Jun 2024
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For a real answer here's the Zscaler blog write up: https://www.zscaler.com/blogs/security-research/technical-analysis-anatsa-campaigns-android-banking-malware-active-google
It looks like they are doing it after app install with a malicious patch. This patch asks for SMS and accessibility access to gain privileges necessary to get into the banking apps. I haven't thoroughly read it but just looking at the attack chain that's what I gleaned.
Ugh, TIL zscaler actually does more than just send my PII to the USA without my consent.