I smell some irony here ... but I'm actually using that banking app quite frequently, and quite often in quite stressed situations.

The background is that I'm doing some "market maker" work at Localbitcoins and other similar sites, people are often willing to pay some extra commission for getting their domestic bank money turned into crypto currency or vice versa. Speed and availability has somehow become two of my selling points ... meaning that it actually is essential for me to be able to quickly take out the phone and log into the bank no matter if I'm skiing with my family, mooring up in a difficult port, if I'm in the middle of my family dinner or whatever.

To keep up with all the customers I've also found it necessary to install umpteen different chat applications, those are eating up available memory and bogging down the phone ... and I also need to switch fast between banking applications, communication tools and calculators. That bank signing app is particularly annoying ... it would fail in like 20% of all attempts on my previous phone (much less now with the new phone), I would need to use it twice every time doing outbound transactions (first to log into the bank and then to sign the outgoing transaction), and worst of all ... the signing was doomed to fail if I did any task switching or if the phone went to power saving mode before the signing was completed. Outgoing transactions really needed baby sitting, only when getting the final confirmation that the transaction was completed I could report to the customer that money was sent .

So ... in the end of the day ... faster banking from my cellphone is really significant for me. :-)