I don’t know how online banking access is around the world, but here in brazil, they made it completely impractical to use from computers by applying artificial restrictions. Some payment institutions doesn’t even support access from computers anymore. Meanwhile, accessing from the phones has been made easier and less restrictive, so basically everyone has to do banking from the phone. It has even become a popular thing to have a separate “banking phone” to use at home, but many people can’t affort that.