For the vast majority of people, the mobile bank app is far more useful than a desktop oriented web bank. Many (maybe most by now) don't even own a computer.
I do think you're right. I know a number of people that doesn't own computers anymore and even more who are just doing everything on their phone.
One interesting usage I've seen is especially younger people, who have a debit card which doesn't allow an overdraft. They then keep their account at or around zero and only transfer the amount they need to the card account before every purchase. That usage is supported way better than my attempts at managing saving, paying large bills or keeping track subscriptions and other spending for the past week.
One of their other accounts. I don't know how it works else where, but it's not uncommon to have two, three, four or more. I think my dad at one point used 10 to segment his finances. Accounts normally don't cost anything, or very little.
Most people have at least two. One of their incoming paycheck and one for their debit card. Most have more.
