1) There's no "clean" solution at the moment. One workaround is to download and install "andorko's FM radio app" which when you run it will
reroute the sound in viber and skype through the phone speaker. It is sufficient to run it just once after phone is booted and then it'll work until
next reboot. Another option is to try searching for modified Skype and Viber app that have this problem solved. I saw some on xda-developer.com some time
ago but don't know what's the situation today.
2) I think I don't understand. As far as I know the build.prop contains only info on default locale that is set at first boot (language of user interface) and I've never seen anything special about regions in it. So I don't have a clue. Can you point me to information where you've read about it? I would say that most likely your bank app is not compatible with the device (at hardware level).
Now I realized that it can also be caused by your internet provider. E.g. bbc player app refuses to work for me because of the region. It is intended to work in UK only. Normally these apps check your IP address you are connecting from to find out if you are located within that country. Some providers might have IP address pools which are not being registered within the country. But that's just my deduction here.
I am currently on a different rom sice I needed a change and also felt like doing something different. This one: http://www.modaco.co...72-on-steroids/ I ported from ZTE Blade. It's based on my CyanogenMod 7.2 ROM which got new update just today. Skype and Viber work OK on both of these ROMs. And maybe it would be worth trying if your bank app works on them, too.
Edited by C3C0, 01 June 2012 - 08:39 PM.