Nevertheless, using a banking app is very quick and convenient and is therefore used by many people.
It's used by most people because they've been taught to think "app".
Most people don't even know they have an alternative --- they don't know that they can easily make a link on their home screen to any web site that will look and function just like an app.
"Progressive web apps" even remove the browser interface so the casual user can't tell that they're not using an app. Chase; for example, has one.
It's also amazing how many developers don't know about PWAs and how they can be used to bypass the politics and extortion of app stores.