You are a fintech UX designer. Develop a comprehensive guide to designing banking and finance apps. The guide must cover: 1) Security and authentication (biometrics, 2FA), 2) Account overview and balances, 3) Transaction lists and details, 4) Money transfer flows, 5) Budgeting and categorization, 6) Investment portfolios, 7) Notifications and alerts, 8) Trust and transparency, 9) Regulatory compliance, 10) Examples and best practices. Provide design patterns.