Does the end user really prefer apps over a web interfaces? Do native apps bring some security benefits? Isn’t maintaining apps for every single operating system and phone model out there more costly and time consuming than offering universally accessible web interface that works on any device? Isn’t creating apps for every single product out there essentially about data collection?
In many / most cases this is correct, but there are exceptions. My banking app isn’t selling my data. I imagine the main thing is support. It’s much easier to explain the process to grandma if there’s a native app.