I used to do banking on my (touch tone) phone before I did online banking. I still do online banking on my PC because my budget spreadsheet is on my PC, right next to my browser window.

Personally, I don't think this is about banking apps. I'm kinda surprised an article talking about ATMs and teller jobs barely mentions cash, checks & cards and doesn't mention paypal or venmo at all. I used ATMs less when it became less of a necessity to carry cash.

You don't use cash to buy things online. Even in person, outside of brick & mortars, paypal/venmo became in vogue at some point in the past. Those are banking apps in their own way.