Actually, banks are a heavily regulated industry and they have to comply with strict non-discrimination requirements including making all reasonable accommodations for people with disabilities.

If you know someone who uses a screen reader and is therefore unable to use HSBC’s app, encourage them to file a complaint with the appropriate regulator (in the US, try https://www.consumerfinance.gov/complaint/ ).

Banks are very attentive about listening to their regulators.

(Of course, it’s possible that what HSBC did still works with commonly used screen readers for the blind because they actually thought of this.)

A swappable battery. I could buy a few batteries and never be out of power. I could replace the battery on an older phone without pretty much having to replace the phone itself.