Ugh I used to keep a British iPhone on a British network in the USA just so I could access my bank accounts, because the app couldn't be downloaded in the USA.
From what I remember, for some reason there were specific features only available through the app. Believe me, any app use of mine is a very last resort.
I see more and more companies shutting down their web portals in favour of mobile apps.
At the company I work at the moment the customer base is 2-3% on web, rest is mobile. It's such an incredible waste of time and money to keep the portal functionality on par for such a low number, and I hope they shut it down soon.
This situation really sucks.