They don't have to provide stories, just a working website, and most already do. The problem lies with authentication. Banks used to do authentication by provid

They don't have to provide stories, just a working website, and most already do. The problem lies with authentication. Banks used to do authentication by providing a stand-alone card-reader for your debit card that basically generated OTP challenge responses using the private key on the chip. But banks see this is an expense that can be cut if everyone would just use the Android or IOS smartphone they already own (conveniently making the customer pay for the hardware), and when you have that support in place, you would want to be able to do the actual banking on your smartphone too — not just authenticating. So now banks have two apps and a PWA they must maintain, along with the infrastructure for the dedicated card-readers. So at this point your bank is asking all the people still using card-readers to please consider using the app, so they can kill off that feature. Dutch bank ING tried this when their old authentication method needed replacing (they where one of the last banks still using SMS tokens). Their approach was to nudge/annoy/scare customers into using their app for a year, but in the end they folded and grudgingly had to provide stand-alone card-readers as well. Some of the newer small digital only banks in the Netherlands are 100% app only though, and the bigger banks are quite jealous, but can't just drop support for their existing customer base.