On the other hand nobody in China uses Web for banking. Most people I know just use mobile applications, which aren't that bad, moreover most of the operations

On the other hand nobody in China uses Web for banking. Most people I know just use mobile applications, which aren't that bad, moreover most of the operations done through AliPay/WeChat/QuickPass, so you don't need to use yacky bank things. Alibaba and Tencent have better UX in their apps. When you go to any bank you feel like a time traveller for 20 years back.