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While I am with ABSA and really annoyed at their high charges and lack of innovation, I have to add I hate apps - all of them.
I would much rather have a bookmark that I can open and use a secure web connection than install yet another app just to do something simple.
It seem so many companies are have an obsession with getting their logo into your device's menu. I would much rather see them make better mobi sites using html5.
I like the FNB app, slick and smooth. So I do see merit in an app.
You can make something equally slick and smooth if you follow proper web standards and have a responsive layout that makes good use of screen real estate. Add to that the built in security mechanisms of the browser and the cross platform nature of web apps and you have something pretty good. But my guess is it will take awhile for corporates to get to terms with that concept.