Starting with Mac OS X 10.0.0, Mac apps have traditionally been installed into /Applications or /Applications/Utilities. It appears to be the same on macOS Catalina, but appearances can be deceiving.
As part of implementing a read-only volume for the OS, Apple has moved the apps it installs along with the OS from /Applications to a new location on the read-only volume: /System/Applications
For operations in the Finder, this move won’t make a lot of difference because Apple has made sure that the applications in question still appear in /Applications and /Applications/Utilities.
However, if a script or other command line tool is referencing an app in /Applications or /Applications/Utilities, the new /System/Applications and /System/Applications/Utilities path must be referenced. In my case, I ran across this as part of a script that as part of its work was referencing the Keychain Access app in the following location:
/Applications/Utilities/Keychain Access.app
The script failed because Keychain Access is no longer available at that location on macOS Catalina. To fix this, I updated the script to use the following location:
/System/Applications/Utilities/Keychain Access.app
Once that was done, the script ran without problems again.
This new location on the read-only volume only applies to apps which Apple installs as part of the OS or which are only updated by OS updates. For example, because Safari may be installed or updated separately, the Safari app is not located on the read-only volume in /System/Applications. Instead, Safari remains in /Applications as /Applications/Safari.app.