To be honest I'm not the power user when it comes to ROOTs, Magisks and SafetyNet. I had some expirience with custom ROMs on my old phones but with 5T, I'm still on stock 10.0.0.1 because I don't want to loose payment features.
Can you tell me please, if I unlock bootloader, change recovery to TWRP and then install latest november PE 11 for 5T, will I be able to use Google Pay with NFC or do I have to dig deeper and instal root & magisk to use NFC (GPay) or other banking applications? Under what circumstances my phone will pass the SafetyNet?
Thanks in advance for your answers!