Possibly because of the horror stories we read about.Why are some members (can't find the relevant posts) adverse to using a banking app on a mobile phone? They are very secure.
I do mine online and I struggle to get past the security questions.
I mentioned this before but years ago there was/is a guy in my town who got the famous email from the Nigerian prince. He fell for it and lost every penny from his bank account.....iirc it was £35+K.

