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> anybody who does banking on their phone is taking a big and unnecessary risk

It is not necessarily a matter of choice. Besides what the other commenter notes about 2FA, in some countries banks have been removing functionality from their online-banking website, and you can only do certain things in the phone app.

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> in some countries banks have been removing functionality from their online-banking website, and you can only do certain things in the phone app.

The most infuriating I've seen, is a bank which removed the anual tax report (which you need to do the anual income tax) from the online-banking website, requiring you to use the phone app... to download a PDF file, which you then have to transfer to the computer anyway so you can print it!

Fwiw, iOS lets you print to network attached printers directly, no macOS needed.

You can print from your phone, and also you probably don't even need to print it.

This annoys me to no end. I have an old phone that I boot up occasionally because it holds all the apps that I only need once per year for a niche feature that is only accessible in their app. I don't need 200 apps on my main that I would otherwise never open.

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