Out of curiosity, how often do you use your bank's app? I don't have my bank's app on my phone. Pretty much nobody ever gives me paper checks, and all of my employers have strongly encouraged/required direct deposit as part of the usual onboarding process. If I want to check balance or move between checking/savings, I use their website. I have a debit card, and my (Android) phone has tap-to-pay built-in.

For both banks I use, setting up Google/Apple Pay requires you to install the app on your phone to approve it.

It's also the only permitted method for 2FA which is required to make online payments. Even logging into the website requires you to approve the login on the app.

The second bank app is also my primary way of sending money to/from my friends, for example if we split the bill at a restaurant.

So the answer is several times a day.

Nobody has used paper checks here since the 90s, that's not what the app is for.

Millions of people in the US use their banking online apps. A lot of people don’t own a computer at all, just a mobile device.

You can still use the bank website on the phone.

This is where iphones are a risk actually. Android webapps on old phones with their original OS installed have a better chance of working compared to old iphones with their original iOS version. This is both due to Apple's continued stubborness in keeping Safari releases tied to iOS releases (eg. "to get the banana you need the gorilla holding the banana and the entire rainforest the gorilla lives in...") and the dominance of Chromium browsers in webapp testing.

On old Android phones it's easier to install newer browsers without having to update the OS.

Edit: your comment is also not valid on occasion. I've recently witnessed some banking mobile webapps being broken for long periods of time and one bank that decided to remove the agreement approval function from their webapp, forcing you to download the app in order to approve updated agreements.

not GP, also not in US, but i use app bank to do everything related to banking. It's kind of a must now.

Do you have to do that on the go? Can you keep a dedicated phone at home?

Yes we have to, our bank app support QR payment.

And while we have something similar to Venmo, we don't see any good reason why should we use them. Back transferring already happen instantly.

It appears there's a third priority then. That's not a criticism, it's true of all of us, I'm curious where it ranks and how you make that work with the other two. I'm in the same boat of being pissed at Google for destroying Android.

True, that priority is probably "runs the apps which I require to function in society", which basically means Revolut for payments and Whatsapp for messaging here. Oh and the occasional taxi app.

I mean the fact that GrapheneOS and PureOS and Plasma Mobile etc. are not even in the running for me is probably a good indicator that where it's placed is first.

For me that looks something like:

- N Banking Apps

- Whatsapp / Telegram

- Uber/Lift/ Whatever your local flavor of theses are, or even regular taxi apps

- Deliveries and Groceries (I don't have/need a car, I get most of my groceries delivered, and just but fruits and vegetables on a farmers market near my house)

- Some payments app

- Access control for my building

- Navigation

- Entertainment

- 2FA/OTP

Many of these are local apps that have 0% chance of getting built for anything outside of Android and iOS, and further, some would break on GrapheneOS / Plasma / A stock rooted device (I'm pretty sure at least one of my banking apps auto closes if it even detects Developer options enabled)