> those products work fine on pcs

In the EU, banking apps no longer do. They require a trusted companion device for 2FA, e.g. a smartphone app or a dedicated chip-and-pin device. This is enforced by the PSD2 directive [1], which has been in effect since 2019.

In contrast to that, you’re always allowed to do banking on an iOS/Android banking app. Banks seem to trust the integrity of the OS enough that they allow the app to be its own second factor.

[1]: https://en.wikipedia.org/wiki/Payment_Services_Directive