The answer is a bit cloudy and takes some digging to truly understand. First, you must acknowledge the difference between a mobile app and a mobile web site. I’m not going to dive into the details on this, but simply stated a mobile app doesn’t require network access, running entirely on the device versus a mobile website where you have to connect to a site and transaction data (bandwidth).
Imagine shopping for furniture at a store like Pottery Barn and instead of going to the counter with the info of the couch you want to purchase, an associate comes over to you, scans the couch with their iPhone or iPad, orders it, enters your shipping info, and then swipes your credit card. No lines, no hassle.