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> in the end I can access my bank from a web browser.

If your bank allows you to access all features from a browser, consider yourself lucky. Mine requires the app to authorize any online transaction.



Here in Poland most banks are usable via web browser + SMS for auth.


That's already pretty rare internationally and the odds of it still being the case in five years are zero.


I would argue that SMS is horribly insecure and should never be used for authentication.

https://workos.com/blog/why-sms-mfa-is-insecure


Poland also has the most competitive banking system in the entire Western sphere of influence. You can't compare it to the extremely oligarchic banking system in the United States.




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