My banking apps ask only for my fingerprint, or a short PIN if biometrics are not available. You could call that “logging in”, but it’s certainly not as serious of a log-in as you would have on the web (with a username and a password, and if the computer is unrecognized, authentication on the phone).

Most of mine do too so I don’t use them.

Either I use a short, easy to type password for my banking so I can log in all the time, or I use a long one and use a password manager to fill it for me and we’re basically back to “use the phone’s biometric authentication” with extra steps.

There’s already a strong, secure option for authenticating the user on a mobile device… I wish everyone would use it instead of trying to use the crap option we’re using elsewhere, especially since passwords are a pain on a tiny touchscreen keyboard.