Not all banks, government services, travel and ticketing systems, and the list goes on. The unfortunate reality is that we have a duopoly in the mobile device

Not all banks, government services, travel and ticketing systems, and the list goes on. The unfortunate reality is that we have a duopoly in the mobile device market and having one of those devices are now a practical necessity to live a normal life for most people. Without regulation to force the market to open up there's little to stop organisations that want ever more control over the devices you can use to access their systems. Trying to go outside the two big players just means you're going to get a substandard or completely pointless experience. And even governments are in on it. Which is going to be interesting when both the huge US corporations that form that duopoly and/or the government of their home nation decide to do something that goes against what the government or laws in other places want to happen.