not everyone has the opportunity
in business orientation, statistics play an important role, and according to it, the users below 4.4 are not so numerous that they would look for an additional way of functioning of the conceived variant of execution of actions by the application, since polished mechanisms are taken as the basis. Therefore, when entering the application market, they immediately cut off what requires additional. costs in implementation and service.
One question only suggests itself - why are the other banks
Perhaps because others with their applications have entered the market earlier and focused on other volumes of OS segments, and now they only retain what was already in the applications initially.