I wrote this sentence three months ago. Since then people already pointed out that mobile banking is being used as escape hatch. The question is still: how many people do this? Everyone younger than 30? Or only 80% of them? Or only people who are moderately tech-savvy?
Are there any reliable statistics on that?
At first it might have been because mobile apps were easier to use than the crap they had to go through on a PC. Nowadays, though, there is no need to compare because mobile is the default choice anyway. Younger people don't even bother trying it on a PC. Older people, on the other hand, skipped the PC era altogether and went straight to smartphones. I don't think my mother has ever done any banking on a PC, but she has a bank app on her phone.