Re: The only banking app that didn't accept payments
"Because it costs less for them to maintain either an app or website than both simultaneously."
If cost is the primary concern, the solution is website only.
Maintaining an app normally means _two_ apps because there are two major device ecosystems, so they aren't saving money over just developing the website (just the opposite).
"Personally I find reading a bank statement easier on my 24 inch monitor than a phone so I can't say I agree with the status quo but here we are!"
Well, I've stuck with paper bank statements because they're generally even easier to read (though my annual mortgage statement is trying to prove the opposite by being printed at 8pt or 9pt! [for no good reason]). But yes, I find just about everything easier to read on a good-sized monitor than on my phone, and similarly it's much easier to enter text via a keyboard than with my fingers on 1/3 of a smartphone screen (which simultaneously shrinks the already too-small display or covers up crucial elements).