Financial transactions by phone? To me, that sounds inefficient, expensive, error prone and insecure. All banks I know provide an app and a website to their users. Having to talk to a person to handle your money is something from the 1980s.

Of course for very specific high-value transactions, it may be useful to talk to someone, especially when it's something that also involves advice, but most people only do that kind of thing two times in their life: for mortgage and pension.

Modern banking does not function without the app (be it web or mobile).