Mobile app is already first class citizen at ING in some EU countries. One is unable to make transactions or even is locked out completely from all online channels after losing access to their mobile app, or if their app simply stops responding on tapping the "Confirm" button. Web is merely second class citizen. No idea how they arrived to this retarded architectue. Submitting any kind of architectural feedback to a bank is hopeless and helpless, these fuckers always know better.