You are suggesting an entirely second piece of hardware when there are people in this thread claiming (IMO correctly) that many customers prefer an app over the browser because it's very mildly more convenient.
And there is a very large swath of banking customers who I wouldn't be surprised to learn that banks will earn less than $130 from over the course of a decade.
And there is a very large swath of banking customers who I wouldn't be surprised to learn that banks will earn less than $130 from over the course of a decade.