I use my laptop to do all my banking in the US. I pay property taxes, pool services. I use my US credit cards to pay property insurance or any bills that come up in the US while I live in Thailand and Lazada.
But I'm really against using my phone with bank apps anywhere. I see no need to have my banking info on my phone. I have cash in pocket for everything here in Thailand. During my trips to the US I find myself using my credit card for many purchases.
Try renting a car in the US without a credit card, it's impossible.