> How could a banking app run without an account?

I use two banking apps that have a FAQ feature that's just a fancy wrapper for their respective online knowledge bases.

It's only due to laziness on their part that the entire app needs a login. Even if the only thing I'd like to do is browse the knowledge base.

Similarly, you shouldn't need to be logged in to queue up an arbitrary number of transactions. To execute them sure, but every banking app I've tried makes you login from the outset for no discernible reason.