I had revolut or wealthsimple in mind that both make trading/exchanging money more like a game and a wholesome experience.
I think because of the app the user is "forced" to concentrate and use the whole screen of the app (especially for the phone) it enables a more immersive experience. Whereas most browser apps feel like a transactional thing.
Msft is pushing on react-native-windows and macOS has project catalyst. React-native is making cross-platforms native apps viable.
Apps are way more immersive than the browser and it allows the developer to give a gamification experience.