Agree on the Cumulus Visa.
Yes.
And mobile apps only for my day-to-day banking. Been doing that for a few years. (Though for investment accounts, I still use - and often prefer - online banking on a desktop browser).
Even when I was with brick & mortar banks in Switzerland (UBS or local banks), I was only using their online services.
I’m still banking with a brick & mortar bank in the EU - but only using their distance banking channels.
That said, opening the account and obtaining a credit card from them without ever having been a resident or citizen of the country was only possible through a personal visit and personal conversation on the phone.