Different countries have different systems. In Sweden, our "banking app" is not really for doing bank tasks, it's everywhere in society as a 2FA app. Buying a bus ticket, booking a medical appointment, paying bills, logging in to various government and non-government web sites, signing a contract, etc. They all use the banking 2FA app. It's really really difficult to have a normal life without this app.

Unfortunately, at least in my country, it's getting harder and harder to do banking through a plain old webbrowser. Apps are being pushed hard and afaik all of them use the Google Lock-In API in their Android app. Alternatively I could switch to iPhone, but having had the displeasure of experiencing their crappy hardware and even worse service I'd rather cut my balls off than ever dealing with Apple again.

One of the two banks I use forces you to use their app for 2FA. I despise this practice but I'm also way too lazy to close those accounts. Luckily Scotiabank app doesn't use Play Integrity or whatever and works on GrapheneOS. The other bank I just use web browser yep.

For most other stuff MicroG works. It's still google but at arms length. I use it for Youtube Morphe modded adblock/sponsorblock app and stuff like that.

And that's what we need more of, not appification.

The app is so much more convenient, but it's something I'm wiling to sacrifice to avoid Google.