i just recently found my dumbphone (samsung intensity 2) from right before I got a glowiephone. It has access to email, apps for facebook, myspace, and twitter, and a web browser plus full slideout keyboard. So whatsapp, banking, and NFC shouldn't be difficult at all. Only issue is that unless the bank makes a dumbphone compatible version of their webbed sight they'd need to make a unique app for every manufacturor ecosystem instead of the relative ease of one android and ios app to rule them all. Or have an API for the manufacturors to make their own doggone apps.