I'm always a bit confused in these discussions what is special about banking software of any kind at all. My bank has an app, but other than checking a balance every now and again, the only reason I use it is because it's also my insurance provider and I make claims through it. For actual banking, I don't really do any, through the website or the app. My pay is direct deposit. My purchases are on credit with payment details generally stored with the vendor; otherwise, I have cards or use the numbers. Monthly balance payoff is autopay. I had to go into the website once to set all that up however many years ago I don't remember, but people talk in these threads like they're in their banking apps directly moving money around all the time, actually making payments with the app. Why?

I have a personal current account, a shared current account with my wife, and several savings accounts. It is frequently necessary to move money between these accounts.

Also, here in the UK we don't really use Venmo or anything like that, so normally transferring cash to and from friends and family happens by bank transfer as well.