> It's OK to offer an app, but if a site is pushing, pressuring or forcing you to get one, it's almost certainly because they want to do something abusive that they currently can't.

Every UK bank is, IME.

With banks I kind of understand it (for key storage/strong biometric authentication), even though the inability to move it to a new phone is a major pain especially on Android (not sure if some banking apps transfer on iOS, on Android, none do and enrolling an extra fingerprint wipes the keys from most/all existing ones...)