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You are mixed up 3 different tech stacks: 1. React Native has nothing in common with web apps except JS runtime. It uses "native" widgets for Android and iOS. You need to add a new "native" runtime for your free OS. There are some third-party attempts to add mac/win/linux support, but they are not feature complete as officially supported platforms. Again, your free OS will be step behind. 2. Yes, you can write PWA with React (Web), but PWA still have many missing features which offered by platform APIs of Android and iOS. Your app will not be in "feature parity" with "native" app. Especially banking app. 3. Electron apps are integrated with desktop platform APIs, you cannot easily port Electron app to mobile. Every time big company with big investments wins.

What does a banking app need that a PWA can not provide?
Technically nothing.

In practice, banks will demand remote attestation of the environment the app is running in.

Does anyone have a recommendation for a good "Remote Attestation 101" tutorial? I'm trying to wrap my head around why someone couldn't just run an Android emulator to run your banking app or whatever. I mean there then must be hardware keys that are not present in the code, but then there must be a revocation method for compromised hardware keys, etc..
I have a react native app, and can compile it to pwa mode. It runs well in a browser.

99% of the code runs fine in electron to. Index.tsx is the main exception.

I’m not saying you can automatically run software for one of these targets across all three. I’m saying it’s straightforward to write portable software that works on all of them.

Also, I can’t think of any apps I use that require any platform-specific APIs at this point. Even if they did, the phone I want would be able to surface those APIs to pwas.

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