Yes, but what do you use as a second factor to authenticate and confirm money transfers? In large parts of the world, the answer is usually "my uprooted, remot

Yes, but what do you use as a second factor to authenticate and confirm money transfers? In large parts of the world, the answer is usually "my uprooted, remotely attested smartphone". Increasingly, it's becoming the only supported method. When that's the case, what you use to load the banking UI doesn't matter anymore - the mobile device is the only actual requirement.