It’s a good start. But then people want push notifications, Sign in with Apple, to pay with card but they have an iPhone etc - so many points Apple makes a lot harder than they should be. Eventually, it’s economically better to just suck it up and make an app.

Do you know why QRCodes are by far the most popular banking system? Because, Apple didn’t like it if apps use NFC for payments that’s not Apple Pay. There was a time BLE beacons had to be iBeacons too etc. it’s really decades of pressure in all kinds of ways.

The darlingest of developer darlings—Linear, the PWA first lightweight website that was and still is blazing fast, caved and launched an iOS app. If they can't be web only you have zero chance.