I see people from US being surprised when they see success stories by people from EU stating "maybe it's a US thing" and people from EU being surprised when they see success stories by people from US stating "maybe it's a EU thing".
In reality, most of time it's just a matter of choosing the right bank wherever you are. I'm writing this on a GNU/Linux phone that does my banking just fine. I'm from the EU.
Where I live, the overlap between banks with physical branches and those that don’t require an app or cardTAN is nonexistent - genuinely zero. But maybe I’m just old-school for wanting to have the option to visit a branch.