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In many countries it's already impossible to use just the web for banking. They either make you install rootkits on your computer or move you to their mobile apps

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Wow, that sounds awful. You say country, which makes me wonder—is this the result of a popular type of law or something? I can’t imagine every bank in a country deciding to make that same move. But I live in a large country with lots of banks so I’m sure I have a very biased point of view.

https://en.wikipedia.org/wiki/Payment_Services_Directive tldr: eu mandates secure 2fa for online banking and most banks only implement it using their app as second factor.

> I can’t imagine every bank in a country deciding to make that same move.

Many countries have only three or four full banks (the kind that can give you a Visa or Mastercard bank card, let you send and receive transfers, etc.), and all of them are making the same moves.

> They either make you install rootkits on your computer

I am aware that some banks require apps on "certified" phones, but I haven't heard of rootkits on PCs, yet. Do you have an example of that?

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