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I'm going to bet that you are a millennial or older? We need our big screens for $IMPORTANT work (buying big things, money stuff, etc.). GenZ tends to be less bothered by it and just does it all on the tiny screen in their pocket. It's time to schedule a colonoscopy.
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What if millennials are good at both and are choosing the right too for the job?
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Phone is probably the best tool for most minor online banking actions.

Not all.

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It's not seen as important enough for others.

Just like with a lot of things. Sure you could do a thing better, faster, more efficiently on a PC, but some people just don't care when 80% is good enough.

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My boomer dad does more things on his phone than I do and I'm Gen X. It's actually astonishing how much he does on his iPhone. I'm dragging out the laptop and he's on his iPhone happy as a clam.
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I've heard that GenX/Millenials are in a sort of PC goldilocks zone. People older than that cohort don't know computers and therefore use phones for everything, people younger don't know computers and also use phones for everything.
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I'm a tech loving boomer, I always use my PC for banking, ordering, etc. My wife, however, almost always uses her cell, which is great for when we are traveling. Even though we're only five years apart in age, she's lite years ahead of me with a cell. I freely admit part of my reluctance for using my cell is the mobile tracking ability of companies.
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I used to be with ‘it’, but then they changed what ‘it’ was. Now what I’m with isn’t ‘it’ anymore and what’s ‘it’ seems weird and scary. It’ll happen to you!
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that's kind of an ad hominem, but also beside the point: most bank apps (and websites) are actually absolute garbage, especially the top ones, just one example: the Citi app (on different phones) for a very long time refused to allow me to make a payment or change my password, so i had no choice but to use desktop. Somehow still, top banks' ugly websites seem to allow more functionality/fewer bugs than their mobile apps, which are very often just dumbed-down webviews or simplifications of their websites.
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You may have missed that I've included myself in that cohort, being an older millennial. So it's less ad hominem, and more self-deprecating.
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What "serious" tasks does banking involve?

I log in to transfer money, to take a photo of a check to deposit it, to check my balance.

All of that is fine on a phone screen. Actually, it's a lot easier to take the check photo.

And a banking app is a whole lot more secure than a browser tab running extensions that might get hijacked, on a desktop OS whose architecture allows this like widespread disk access, keyloggers, etc.

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I wouldn't call checking a bank balance and initiating transfers "serious tasks". Maybe important but they aren't complex.
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The efficiency of being able to do something at a moment's notice, on the go, anywhere and anytime may outweigh the conveniences of a larger screen.

BTW newer mobile phones offer "desktop mode" (the Samsung Dex, and what came to AOSP), so you can attach them to a TV.

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I am going to guess you are 30 or older. Google image search "laptop tasks millennial" to see that this is a feeling shared among our cohort but not the younger cohort.
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Or if they go to the public library when those tasks come up.
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Do you need it, or do you just feel more comfortable with it?
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