For both banks I use, setting up Google/Apple Pay requires you to install the app on your phone to approve it.

It's also the only permitted method for 2FA which is required to make online payments. Even logging into the website requires you to approve the login on the app.

The second bank app is also my primary way of sending money to/from my friends, for example if we split the bill at a restaurant.

So the answer is several times a day.

Nobody has used paper checks here since the 90s, that's not what the app is for.