[jlokier]

For me it's banking apps, og which I have many.

Some can be operated via the web but they tend to require a hardware authentication token, which is as inconvenient as carrying a second phone (each bank requires a different token or card reader).

Some can be operated via the web but use their phone app as an authentication token for web access.

And some don't provide full functionality via the web at all.

Plus, the apps are way more convenient than logging in via the web in practice.

[smoldesu]

I can't speak to your spending habits, but if a bank exclusively operates on a single-platform native app, I'd consider that a dealbreaker for if I want to use it or not.

[jlokier]

When you need credit, you take what you can get and if your rating is poor there isn't a choice of providers. Sometimes that's exclusively mobile.

I opened a business account with an (at the time) exclusively mobile bank last year, because other banks took too long to authorize setup (they generally take weeks or even months), and I had a new company starting. I went with the only bank I knew where I could get set up within a few days to start taking revenue, as I had a client ready to pay from the start. It turns out that being mobile also meant they had a streamlined electronic setup process, and no visit to a branch during a pandemic. It still took a few days, as various people checked out my identity, read my LinkedIn profile to confirm what kind of business I was in, etc.

Last time I opened an account for a new company it took over a month and two in-person interviews, so the mobile bank was a big improvement.

Since then they have added web access as well, which is great, but use the phone as an authentication token, which is a bit annoying. It's not ideal, but neither are any other options I know about. Having to carry a separate physical token/reader around (or in practice, leave it at home and not have it when needed), as all the other business banks I've used require, is more annoying.