Applications such as banking and authentication apps will not be quite as simple to transfer. This will re-install your applications and a large number of them will carry through the credentials requiring no input from you. The process now requires you to place the 2 phones in close proximity and follow the prompts. Apple have made the transfer process a little easier in the past few years, no longer requiring you to take a backup to iCloud or a computer and restoring from that backup. Every September, Apple releases their new range of iPhones and if you purchase one, you go through the process of copying all your applications and data to the new phone.
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