Because, we have here something called "Swiss Qr Bill" (standardized e-bill with Qr code) and some shops send you the bill via email. Would be nice, if i could just tap the qr-image and open with app.
I mean if you get it in a mail and then use a qr code reader you should be able to skip the decode step if the qr code contents were included directly as a link. If the code does not contain a link, then using a qr code reader won't help I think, and there will be no way to forward it to the correct banking app.
Look if you can directly share the image with your banking app.
Or see if the qr code scanner in your banking app can open a local image file.
but also, keep in mind that QR codes don't always contain an URL. I would expect that it contains a code that your bank's app knows how to hande, but not much else.