[gruez]

It's popular with fintechs, especially new ones. Robinhood for instance was app-only for a few years before they got their web version. Revolut theoretically has a web version but it has far less features than the mobile app. Restaurant "apps" (for ordering and offers) are often app-only as well.

[chromehearts]

Honest question: What does TPM have to do with this? I mean, Revolut developers don't need to check for TPM or similar to serve other functionalities just because you're on browser or mobile app. Am I getting something wrong?

[gruez]

There might not be "TPMs" exactly on smartphones, but both Android and iOS have device attestation APIs that does the same thing that TPMs do, ie. cryptographically prove to a remote party that you're running some particular version of software.

https://developer.android.com/google/play/integrity

https://developer.apple.com/documentation/devicecheck

>I mean, Revolut developers don't need to check for TPM or similar to serve other functionalities just because you're on browser or mobile app.

Some features are simply not available in the web version. You can try running the app in an emulator to get past that limitation, but an emulator won't be able to spoof device attestations, so if they bother checking for it you're screwed.