That's funny, I've NEVER, not even once, encountered ANY app from any company, in any business, that is easier or more efficient than talking to a human being behind a counter. (So long as the human behind the counter is not also hamstrung by dreadful Indian crapware...)
Seriously, like most people, I have dozens of apps on my phone, forced on me by various needs. The ONLY one that makes anything easier or better is my password manager, which I have to have to safely keep and lookup the logins and passwords for all the damn apps...