A certain national bank which I shall not name had a banner on top of its app. The link opens a web page that goes to double click and then opens the bank's website. Why would a bank app take me through a double click link just to take me back to their own website? My guess is this is the same reason why eBay shows you ads for things you just bought. There are massive inefficiencies in these large organizations. I'm sure everything they do is locally optimal but not even close globally.