> On that topic, an honest question: what is the killer feature of banking apps that everyone is so hot on? Are we talking like retail banking or money transmitters? I am not using any bespoke banking apps, and I don't feel like I'm missing out, but maybe I just don't know what I'm missing.

For me, the killer "feature" is that I need to generate an auth code on my bank's app to be able to log in to my account and make transfers via my browser (or I can use the app directly). In other words, it's considerably more difficult to actually do (retail) banking without my bank's app.

Got it. That makes more sense, i.e., that you're essentially required to use it rather than getting something in addition.