In USA I've found it's pretty easy to live without banking on your phone, although you can't say the same for some other countries. Granted I have a job where I am working with my own desktop computers most of the day, so I can pay bills and transfer funds on them during those times - and lots of people might not have the same luxury. But I've yet to feel a need for any of them while out and about beyond a few occasions of Venmo'ing funds on the go - and at least Venmo still allows you to use their site via browser.
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