May be an indication that web and mobile channels of your bank are not very good. You perceive it is safer (or easier) to go to a branch and get a funds transfer performed by a random semi-literate clerk, than using an app.
Banking apps are often confusing, dumb (can't predict/detect/anticipate) and struggle to authenticate a user securely, have low transaction limits, so clients resort to going into a branch, getting authenticated via a piece of colourful plastic by a random clerk and requiring a manual labor to perform pretty simple operations such as funds transfer.
Well, now that you mentioned the subject, I think my bank has the only sane multi-factor authentication implementation I have seen on the wild. Including all the usual giant informatics specialized multinationals. And they have been doing it since something around 2005.
The threat surface of a physical office is just absurdly smaller than an internet service. And the recovery options completely outmatch anything virtual.
Banking apps are often confusing, dumb (can't predict/detect/anticipate) and struggle to authenticate a user securely, have low transaction limits, so clients resort to going into a branch, getting authenticated via a piece of colourful plastic by a random clerk and requiring a manual labor to perform pretty simple operations such as funds transfer.