ironwindow
I'd be keen to see some thought out answers on this myself.
For me, at the moment, it's in a 'it depends' camp and I use both approaches. Security researches (Madaidan, et al) vote for an app approach, arguing that a static code within an app is a safer option. Yet, if you consider worst case scenario, say a Samsung phone with some loyalty app permanently running in the background with 69 pernissions. That seems pretty nightmarish to me.
As opposed to going to a website, let's say in Brave, logging in, cashing your points and then nuking the leftover crud... Also, avoiding an increased attack surface extra code of any kind presents. And then maintenance (tracking/updating said apps).
What gives me pause is that this is Graphene we are taking about. Are safeguards tilting the balance in favor of one over the other? Eager to hear others' opinions.