This is a common answer but it does not apply to at least most of Europe. Because of regulations most banks require to install their app either on iOS or Android to act as a 2FA device. One of my banks gave me a hardware device 20 years ago. When its battery dies I'll have to use their app and my fingerprint.

Have you talked or met anyone born after the 90s? Everyone banks on their phone, it's the norm not the exception.

Edit: Someone also made a good point, one of my CC's I can barely even manage without the app since the website barely works.