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As opposed to what, using mobile web? That’s a good question, yes. Some banks have the impression that an app is more secure… go figure.
Yes, pretty much. A web browser is almost always more secure and, at least in the case of my credit union, just as fast with a very usable interface. Whenever I see these people who say “oh I really wanted to use X ROM but it doesn’t work with my banking app” I have to question their commitment to the project and/or level of ignorance. It’s such a minor/non-existent issue to make or break a custom ROM.