I do like local native software, preferably using the native UI toolkit, filesystem and features of the device hardware not necessarily available to the browser. That doesn't describe most commercial mobile apps in 2026.
I've had to use this a few times when on my phone to be able to actually access the webpage.
On well implemented mobile websites, Google password manager pops up as does Google pay, can even authenticate with my fingerprint, zero friction. Theres zero need for an app.
And that's coming from a millennial who used to buy big ticket items on the PC.