The only app that Device Care shows "using too much battery" is Gmail.
Not sure what "Fidelity" is, but some apps won't run on an Android version that is not "official" (what a beta is)
Hello @Cicclaus ,
During beta program, the software is not yet certified by Google, and therefore Google Pay and other secure services may not work. We apologize for the inconvenience and will post a notice once it becomes certified by Google. You may try again at that time.
Fidelity has already been notified of the issue by some of our members and they are working on releasing an update to support Android 12.
One UI Beta Team