I tried to log into a banking website on a full desktop browser recently, one that I had previously used with a password. It literally would not let me login until I downloaded their app and set up a passkey. That is now the _only_ way for me to access those accounts. Presumably, I could call in, though I wouldn't be surprised if the person on the phone also asked that I download the app in order to verify my identity, and even if it wasn't the case, they didn't offer that option when I was trying to login. Many bank websites now also require the phone app.