I don't own a smartphone and I am happy as ever. I used to own one a while back, but it wasn't worth the effort and the rage when it was slow.
If a service can be accessed only with a smartphone, I complain (which is of little use).
I admit, though, that being forced to RE a f**ing android app just to do banking is grounds to change the aforementioned bank. Isn't there any other alternative in Singapore?