Comment by Freak_NL

> Who banks that often that they really need to do that, outside of places like Sweden where cash is almost dead?

I often pay cash in physical stores, but when buying things online I (and every other Dutch person) use Ideal (Wero). That means authorising each payment via my bank, and that means either using my smartphone (GrapheneOS) with the bank's app, or using the bank provided OTP device with my debit card inserted.

Using my smartphone is, unfortunately, the easiest way. I hate both options for the fact that I need to fetch either my smartphone or my debit card though.

Banks want their stupid app because it is the easiest way to keep some client-side secret secure in a nearly fool-proof manner. I can do everything I want in any browser, but authorisation and authentication happens by means of that app, so even just logging in means scanning a QR code with the app, and then continuing in the browser of any device I want.

I think most people use bank several times a week at the very least. Some do it constantly and put debit cards on their smartphones and concentrate everything financial on that single device, but even folk who keep ready amounts of cash on hand and don't buy things online too often bank several times a month, even if just to pay taxes and keep an eye on their finances.