Try to do what e.g. Revolut, N26 and similar apps are offering over the phone. It would take ages. This is a really bad comparison.

Sometimes progressive improvements become a breakthrough, though I wouldn't call the invention of touch UIs a progressive improvement. It was a massive one. We take it for granted today but before the release of the first iPhone very very few people would have imagined it, let alone that it could change the world (which it did).