My bank has been fine as an app. My main nitpick is that it makes it very hard to fully detach from the app store since none of the banks publish elsewhere (I can easily ditch social media on the go or use a website, in comparison).
I went to college early enough in the smartphone era that they didn't have an app as a freshman but did by senior year... I don't miss it.
Yeah banks want the closed ecosystem. Last thing they want is a plethora of app stores where fraudster clones of their apps appear, or jailbroken phones where grandma does everything right but a bootkit steals her money.
I went to college early enough in the smartphone era that they didn't have an app as a freshman but did by senior year... I don't miss it.