How to restore apps with iPhone restore? (in year 2020) All Apple questions are stale after one year. Why? Because iTunes is gone and other big changes this year. So I am re-asking. 

I have a new phone and backed up my old phone with Finder. Now when the new phone is restored, none of the apps are there. I know how to install the apps and set them up. But this would require considerable time for dozens of apps, so I am seeing other options.
The backup with Finder is the same as with iTunes, same is for restore. When you restore an iTunes backup, app data is restored from the backup and apps are downloaded from the AppStore. If you don't see any apps, make sure that you are logged in to your Apple ID and that you are connected to a good Wi-Fi.