[structural]

Is this a EU-specific thing? In North America I've never installed a banking app, don't even know if my institution even has one.

[thisislife2]

The US is way, way behind in banking P2P technology / fintech adoption. In many parts of Asia, even uneducated street vendors now accept digital payments via mobile phones (that's how easy it is). See - https://www.forbes.com/sites/pennylee/2024/04/17/the-us-lags... and

[drnick1]

I would rather not have the kind of "financial innovation" that requires non-free apps running on non-free operating systems on locked down hardware. These apps, by design, track how people spend their money.