App or Browser? The Overlooked Security Architecture Decision Every Mobile Banker Needs to Understand
Most Americans access their bank accounts from a smartphone without giving much thought to whether they are using a dedicated app or a mobile browser—and that choice carries more security weight than the average user realizes. The two pathways rely on fundamentally different architectures, expose different attack surfaces, and offer meaningfully different levels of protection against the threats most likely to target financial accounts in 2025.