Windows Phone comes with one of the most functional mobile browsers there is. iPhone and Android have "apps" to access websites because their browsers suck and creating an app is the only way for website owners to ensure their website works on those phones. Windows phones really don't require apps to access websites (which is good because with their small market share, nobody wants to develop for that platform currently). Go to the site in the browser, pin the site to the start screen, you then have something better than an app, you get all the functionality a site offers. The few banking sites that have created Windows Phone apps have abandoned them because their sites worked better in the browser than within their dedicated apps. Most apps are playthings, redundant, or are workarounds to a crappy platform.