All I can say it’s the fault of marketing and the statement of “we want more information from our users, but we don’t know exactly know what information to collect, so we collect everything possible in hopes to see some connection and predict what the user wants”. I wish companies would actually ask the user what they want. Do users want to use their phone? Cool, make a nfc enabled card that can be added to the phone’s wallets, and give users a portal to manage their funds if needed, no more app needed.