

France and, yep, depending the bank (I have multiple), they all push you to use the app but some will not even allow you to open an account without the app. Even traditional banks will push hard to use the heir app, I mean.
Digital ID is not mandatory yet, but using online services can be a lot simpler using some sort of IDying and, at the very least, one better have 2FA, or something better, configured on the phone for any type of access that is worth securing.
I see at least three issues: the extra cost, the extra layer of complexity it introduces, and the almost complete loss of autonomy it creates. Exactly like with public transits in many places switching to digital tickets instead of paper ones, save that it’s much worse when it concerns our ID and personal security/authentication.
That would not be an issue at all if there was no requirement/expectation to use any phone or device of any kind to begin with. To me, that’s the real point worth considering but it’s also a point very few are actually willing to consider because ‘technology is always the solution, never the issue’ ;)