My rule of thumb is that for any application that relies on an internet connection for most of its functionality, I'd rather just use a real web browser.

My banking application is like this, and the irony is that it’s kinda sorta second factor to their browser UI, so I’ve got to live with it.

Yeah, banking apps are currently in worst possible spot, neither truly native not truly web

I am aware of that and I hate those apps, because those are worst of both worlds - it works as bad as any overcomplicated web app but they also have access to native apis and information that would be inaccessible through web browser (or at least be blockable)