A lot of people willingly install their bank's app. I don't see why this couldn't just be a case where people who have the app installed get this nice convenien

A lot of people willingly install their bank's app. I don't see why this couldn't just be a case where people who have the app installed get this nice convenience and people who don't (willingly or because they don't have a smart phone) just have to notify their bank, as people have done for many years.