What government apps do people run? Why do you need to access your bank account on your phone? Is this some payments model that's just not common in my country where we still use physical credit cards for everything?
Many banks require you use their app to do anything, e.g., make transfers, approve debit card transactions, register your biometrics to unfreeze your account, etc.
And no, choosing a bank without these requirements isn't possible in some countries.