[malfist]

On average, people spend 4 hours and 37 minutes on their phone, per day [1].

I find it hard to believe someone would spend 4 hours and 9 minutes _per day_ looking at their banking app or using NFC payments.

[1] https://explodingtopics.com/blog/smartphone-usage-stats

[pseudalopex]

Your assumption they used their phone an average time was false probably.