Is the app the only way to access what you need? I've never once install the app of any bank I've ever used (10ish) and never found myself wishing I had.

Same, mostly, one bank I keep an account at to support Zelle payments which they only offer through their app

An increasing number of new services are app only or have a web interface with basic functionality. Dating apps and banking apps are commonly in this category especially if they are relatively new