Weird, I am also mainly contrasting US and Swiss business culture, and I've come to the exact opposite conclusions. In Switzerland, every interaction with any large enterprise can be done entirely on your phone, fast, securely and conveniently.

The SBB, the post office, the banks, the city of Zurich, the tax office - all of them let you do everything online. And unlike the US versions of these things, it actually works!

The only thing you can't do online is vote, and that's probably a good thing.