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If it is not getting updates then it isn't getting vendor security patches, it will still get Google Play Services and Android System Webview patches assuming those are enabled.
I wouldn't use any kind of banking or payment apps, so anything linked to an account from which money can be directly debited. That can be a lot of things from EBay to highway toll collection to paying for coffee.
I'm not trying to fear monger but it's time mom got a new phone. Use this one for streaming in the kitchen, or give it to a niece. Locked down of course.
Edit: that's if it's Android, if it's iOS it will not get any patches once it's end of life.