Software does matter. It affects time spent and convenience.
I definitely stay with my bank (Lloyds in the UK) partly because they have a good website, and I will not bank with HSBC because their app will not work if you install things from outside the Google App store (and logging into the website needs the app, at least for me at the moment - I think that can be solved).
I definitely stay with my bank (Lloyds in the UK) partly because they have a good website, and I will not bank with HSBC because their app will not work if you install things from outside the Google App store (and logging into the website needs the app, at least for me at the moment - I think that can be solved).