1,i dirty flash miui14 from miui13 on my 12pro,and it works well.
2,banking apps work fine
3,you need to update twrp to the lastest first,and then flash miui14 through it,so twrp will remain。
1. You can flash MIUI 14 Stable on MIUI 13 Stable. It doesn't need to wipe the user data. Your data/app is still intact.
2. Banking applications are working fine with MIUI 14. Many mobile applications work well with Android 13.
3. You need to update TWRP to the latest TWRP ("twrp-3.7.0_12-v6.9_A13" - supports Android 13 ROM, v6.9 is the latest TWRP) before flashing the MIUI 14 ROM.