What kind of users are these? Power-users or normal users (Android etc.) or dum..Apple users?

Because in my circle, power-users and beyond. Everybody is angry with apps needed for everything, you want buy bread in store, "do you have our app?" It's a meme here. And in our local subreddit, 600k users. Sentiment is the same.

We also tried to bypass stores apps with generating new accounts and distributing QR/cards for free to everyone. It was kinda popular.

And problems are more real with each day, eg.: scammers have their work way easier, since dumb users can take a huge loan directly from banking app in their phone.

Also small EU country, btw.

By definition power users and beyond are a minority