Once upon a time, your bank probably didn't have an app either -- that isn't a strike against mobile platforms. In that same vein, having a bad web portal isn't

Once upon a time, your bank probably didn't have an app either -- that isn't a strike against mobile platforms. In that same vein, having a bad web portal isn't a strike against the web as a platform, it just means your bank isn't taking full advantage (yet). The only strike against FFOS as a platform that you mentioned was speed, and I acknowledge that web-based apps do render slower than native ones 99% of the time. The parser/execution system that handles HTML/CSS/JS is almost guaranteed to be slower than one that can handle a more limited subset (there's just less to do). That said, speed seems like a red herring though -- just how fast do you need your banking application to be? Is the half-second you had to wait longer to see your balance really the mission-critical feature? I get that rendering speed is important, but there are lots of bloated native apps that don't render as fast as possible either.