Those are all valid points, and none of the points I made were about convincing anybody that they shouldn’t offer web banking, or that those “problems” can’t be solved. My guess is, their decision to not offer it already, is mainly a business decision. I am relatively sure they evaluated this more than once, and decided to prioritize something else. To invest in something else instead. And the points I made were just some of the points I came up with that could have been relevant.
I wasn’t suggesting that. With “sort of”, I was referring to the difference between a MVP (like N26) or a more comprehensive (web) application.