@Beaver
I don't think we need to entice them. The only reason bank apps are necessary is because they don't use standard 2FA.
What we need is to get legislators like the @EU_Commission to force them to follow standards (so we can use our own 2FA apps or keys, that have been working just fine for decades and are way more secure than some of their "2FA" implementations) and make their websites usable on a mobile browser.
Bharatiyas don't communicate. They send signals. And all the good signals are linked to the worst possible signals by content creating companies. So, the divide and rule of these companies is perfect!