I don't know if it is generational or regional or what, but there is a solid segment of people that live in very close contact with their bank.
replyOn average, people spend 4 hours and 37 minutes on their phone, per day [1].
replyI find it hard to believe someone would spend 4 hours and 9 minutes _per day_ looking at their banking app or using NFC payments.
Your assumption they used their phone an average time was false probably.
replyThat's pretty much my usage pattern too, including some group texting, the occasional call and sometimes taking photos/videos. Otherwise my phone pretty much stays in my pocket or on my table the entire day. What are you using your phone for that makes that so unbelievable?
replyWeb browsing (like right now), photos, e-books, lots of messaging, music, sometimes video.
replyI use NFC payments often, but I wouldn't say that amounts to more than a few percent of my total usage.
Everyone uses their phones differently, of course. I don't think your use is unbelievable or odd, but I do think your use patterns are not the common case.
I used my bank app yesterday, but since then I've used:
replywhatsapp, phone, push authenticator, safari (having followed a link from a message), spotify, slack, mail, calandar, disney plus and camera
Do you not do any of that on a mobile device?