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?
My bank literally forces me to use their godforsaken shitty app but wherever possible I use web over app especially for corporations (eBay, Amazon, YouTube, catch up TV etc). Like you & others said, reduces exposure to data harvesting