Personally I just don't use a banking app. The website works fine? I don't like the idea of having to use something from the Apple App Store or the Google Play Store, both companies of which could randomly decide I don't need to exist and cut off my access. ... no thanks? So I don't run "apps" at all. If your business is only available that way, sorry! But "I don't have a smartphone" tends to signal to the receptionist that they'll need to explain the myriad of other ways to do business.