I gotta ask. What does everybody do with their banking app, that they need it with them all the time? It's always the excuse why people can't switch to some other phone.
I don’t need it with me all the time; I‘d prefer to just log in to a website on a real computer! But you can’t do this in the EU in practice without a banking app on a phone, or some other piece of hardware that you have to pay extra for and is certainly not more convenient.