I thought it’s self evident that products like Gmail, Search, Maps and others aren’t free because Google is aiming to do charity but because your personal data allows them to build a digital model of you and charge other businesses for access to that knowledge.
Around me I can’t think of a bank that allows any remote operation without a TAN only available on iOS or Android. That’s the root of a lot of future problems, not the least of which being that the bank charges you more for in person operations.