You can do almost anything with a website that you could do with an app. The only reason they are pushing the apps so hard is because they can collect a lot more data than a website can.
I wish. Every fucking bank has their own shitty app for 2FA instead of just using standardized and proven TOTP, no way around that.
Same about school apps the article mentioned since it’s connecting to their (one of many) proprietary system, no website for that.
And recently got into the home automation rabbit hole. Lots of devices that require their fucking app, sometimes with mandatory cloud account, just to connect! And people in reviews even praise how easy it is, it’s infuriating! I don’t need light bulbs connecting to the internet, thank you very much.
All of the banks I’ve used in the past utilize email or SMS for 2FA, which isn’t the most secure, but doesn’t require an app.