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We need to set the ground work now before google closes up android
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But I cannot order a car on my desktop, or check my bank balance.
I don't understand why that is the case.
Do banks in your country not have net-banking? You know, when you can just login using your user account and password and then just download a pdf of your transactions report?
The likes of Razorpay (this came to mind because Steam) and other merchant payment processors can connect to this bank-provided interface for transferring money without even having to give anyone your credit/debit card information.
Can't use web ux without phone.
Oh, you mean the OTP thingy, which is probably an SMS solution (which is a pretty bad idea as is)?
Or is it that you require a smartphone to be able to open the webpage?
Neither.