Does the end user really prefer apps over a web interfaces? Do native apps bring some security benefits? Isn’t maintaining apps for every single operating system and phone model out there more costly and time consuming than offering universally accessible web interface that works on any device? Isn’t creating apps for every single product out there essentially about data collection?
A web page is more secure than an app, on theory. That’s because you can’t see the source code, tokens or whatever they use to build it. It’s called a ‘backend’. However, an app is insecure by default so there is a lot of tricks that must be done to secure it (for example Oauth 2.0 flow with pkce). And the software they use to gather the data to show (APIs) must be built better.
So… why then? It’s all about having the means to deliver the experience that the bank wants. Look at voyager app for Lemmy, for example. Why people want a iOS version when the PWA exists? Because it simply works better as a native app.
Your whole first paragraph is pure nonsense
A web page is not easier to secure than a native app? Ok for you, that’s my experience.