If I had a smart phone i would never walk into Baylands again. Why? I hate the people there and the more we use smartphones and online banking the less people are needed in the bank, which means that I don't have to deal with crap for service.
Eevn if I had one, I would not use it for banking. More possibility for screwing up a critical tranaction. You make a thing or proces more complex, even for the sake of simplicity, the more likely things will go wrong.
And I do NOT want things to go wrong wiht my banking.