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?
Webclients are trickier to maintain, because people use craploads of browsers and it might interfere/block/hack their online banking session.
Also, it’s harder to steal your private data via browser, because it might prevent the attempt via ad/script blocker.
Take it as you want.