Explain to me again...
in which alternate universe would I ever think it's a good idea to use a mobile banking app?
Using the bank's website from a bookmark in my browser on my home computer - that's the one with several different lots of malware protection + Trusteer and a VPN - I'll take the risk.
Using the website via my phone - still pretty unlikely.
An App - really, no. I like Android but I don't trust it.