I don't know what the others are talking of, but it's good to keep in mind that Europe is very diverse, still. I'm from România and there is absolutely no bank here that requires the use of a phone app. And they also expose web interfaces. Well, except for Revolut maybe, but they aren't local and for a long time they weren't a bank either.

Although, to be honest, I find it pretty silly to avoid the use of a smartphone, or at least the use of a website. I guess some people like to waste time going to the local subsidiary and wait in line to solve even the most basic of problems, but that's not for me. Banking apps are spreading because they are more efficient.

In the future banking apps may be required. One thing that's happening in Europe are instant payments between banks. If you couple that with payments via apps (via phone number or scanning a QR code), the duopoly of Mastercard/Visa is under threat, as merchants would love to avoid their taxes.

The US is a little behind on this, maybe this is why Silicon Valley bros are constantly trying to disrupt finance.