I think the change (web vs. mobile) is more about the following: mobile devices are more personal and well, more mobile. As such, they provide stronger authenti

I think the change (web vs. mobile) is more about the following: mobile devices are more personal and well, more mobile. As such, they provide stronger authentication mechanisms. They are typically managed environments, and finally, there are more people with mobile devices than with personal computers in the world. All of the above are truly game changers when you look at certain application domains such as mobile banking. Here's one out of thousands of scenarios that are possible only on mobile: I am in London, I need some cash money but my bank accounts are in euros. The sequence is this: Face ID, then with a few taps I convert the necessary amount and withdraw pounds from the nearest ATM. With Revolut I saved a lot of time and money on conversion alone (though to be fair many other mobile banks do the same today). This is not just "pure Internet" it's a different medium that brings a lot of new possibilities.