@lynn I guess? I don't want my phone to track my biometrics, nor enter a secure password every time I unlock it. Maybe nowadays with the security chips (TPM) a short PIN is fine and I could entrust the device with a banking app, but so far I just haven't wanted to install one
I found it quite ingenuous to put one's bank card into a reader and do a chip+PIN zero-euros transaction to generate a token which the website then accepts as login. It's what I grew up with and use to do online banking