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 banking apps use hundreds of megabytes for very little functionality and one bank actually uses Facebook trackers so there could be some truth to this. The only problem is that it would be illegal.