İ think this is the case in a small number of European countries and really it should change. İn two asian countries İ do business in, and one middle eastern one, the bank apps now provide a third harmonyOS alternative. The American banks I've used don't require an app, and HK banks will provide a digital token generator which is actually my preferred way. İ think that if it's the case you are tied to one foreign third party company to do banking it should be really something you protest about strongly and change it.