Even in countries where you have a wide choice of banks (the UK, for example) more and more banks are pushing people to use mobile apps. We have the problem of the government and other businesses and organisations pushing people to use apps.

One example is my local bus company only selling certain tickets (monthly ones, for example) on the app. If you do not want to use an app you pay per trip which can be a LOT more expensive (several times as much for a daily commute).