Like many people these days, I use internet banking, mainly from my desktop. For the most part, I've had no problem with it, and have found it an extremely useful and convenient resource.
Recently my own bank has been pushing for me to download their mobile banking app, apparently in readiness for when the additional security measures are introduced in September this year. That is explained here and is a whole other discussion in and of itself, in terms of inconvenience/annoyance to the customer.
But as for the mobile app, I decided to give it a go - thinking, well you never know, it might offer a wider scope of operation in some way. But I'm afraid it was a disappointment. It actually doesn't do anything that can't already be achieved employing ordinary internet banking, and what's more, I found I still didn't need the mobile app when using mobile devices such as a tablet or smartphone. Was still able to, for example, transfer money using a smartphone and accessing internet banking via a google search for the bank's website, in the usual way.
As for the new security measures, nowhere do they explain why the app will help in navigating them. From what I can make out, it would seem that for a much larger percentage of on line purchases than at present (42% compared to 2%), the additional security measures will be needed, typically consisting of a unique 6 digit reference being texted to your smartphone, which you then insert onto the relevant part of the screen in the website you're trying to make the purchase from. Still can't see how the app makes it any better.
Of course it's tough if you don't have a mobile, or, possibly even more pertinently, if the text is delayed getting through, as often happens.