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Genuinely curious here. Not trying to be critical. Why is a bank app necessary in the first place? Modern mobile browsers can run a pretty impressive HTML and JavaScript site, and I don’t have to worry about being forced to upgrade at an in opportune time.

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PSD2 certification - you must have some way to implement 2FA and a lot of banks prefer using an app for this that they can also use to gather information about customers than using strong authentication methods.

I know a bank that makes you type your credit card PIN key after receiving an SMS in a mobile site... (cannot disclose which one).

Most banking sites log you out very aggressively, and a lot of them require some sort of 2FA during login. It's quite inconvenient to have to do this login dance every time you need to make a transaction -- with an app, you can use a PIN or biometrics to start using it.

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