I don't believe my bank allows NFC payments or camera depositing cheques using the web app. I never use my bank card to pay anyway (not as protected as credit cards), so I don't really know much about NFC payments by phone. I don't think there are any significant technical barriers preventing them from implementing camera-based cheque depositing online, at least. I could live without that anyway... I get like 5 cheques a year?

I imagine NFC payments might have technical requirements that prevent a web app front end. They also might require more protection than just loading a website, but idk. We can already e-transfer once we're logged in, so I'm not sure why NFC would need extra protection. But the cards they mail you has NFC payments built in, anyway, so I don't get why this would be a deal breaker. It's a minor inconvenience to get a bank-/credit-card phone case.