Both. I'm a one man shop. Not sure how many customers I've lost for not having an iOS app but I'm not positive it'd be a net ROI either. It is niche but not so niche that I don't have a few competitors. If an app is a must have ... It might be better to lose that customer and focus on the parts that set me apart to win others.
Hmm, hard to tell. On the one hand, Pieter Levels with Nomadlist also never bothered with an app.
I have a B2C app that is in a niche, it started as a web app many years ago, but customer expectation is clearly in having an app. It also comes with the benefit of offline-first and local data storage. I wrote the whole thing with Ionic. So one code base for web, Android and iOS.
In my case, not having an app would’ve been a bad decision financially. The app also unlocked external reviews/comparisons of magazines and such. Basically free marketing.