Russia is far from being the most developed country out there, but our banks are infinite times for progressive than in other parts of the world. I can do every single thing from their app or their site, never need to visit my bank (aside from getting from an ATM).
You haven't hit the right (wrong?) use case yet. I had to wire some money to an overseas resort for my honeymoon. I hit the currency control restrictions. Except I only learned that because I work for the same bank I have my accounts in, so I went to the gal in charge of the payment processing system, she told me the status, then I called the right person in the currency control unit who told me I had to send a freeform message via the app with a copy of the invoice as an attachment. What did the app itself (or the web client) tell me? Nothing, "payment processing is in progress".
American banks are targeted by fraud more than most banks based in other countries, so they have to have more protections against fraud.