news.ycombinator.com
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You might be overthinking it. Most people want to use their phone for convenience, and if an app allows them to remove just one step in their banking activities, they'll probably do that. As for the second part (separate authentication methods), sure, would be rather problematic if they require you to have a phone, but that's a completely separate and different issue.
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Most people don't know they're also being taken advantage of. I'm mostly referring to data exfiltration.
> As for the second part (separate authentication methods), sure, would be rather problematic if they require you to have a phone, but that's a completely separate and different issue. It's getting somewhat annoying nowadays with banks pushing that crap, but fortunately legislation for access of people with disabilites forces them to provide tokens still. A lot of them now switched to banking apps on the phone acting as token without a chance to opt out, though, so as a result I've stopped doing anything bank related on phones nowadays.
The app is also safe unlike the browser on your PC.