HTML5 based websites do mean that 'apps' are less important since the sites are device agnostic. But apps are expected if not needed and an absence of them is noted. A banking app is possibly more secure than a website or potentially more secure?
Hard to see anyone bothering to develop for WinPho or even testing compatibility of mobile sites. I know HP has brought out their business workstation phone but that's the only one. I'm not aware of any others. Businesses saw the potential of WinPho tying in with their existing Windows systems but for whatever reason MS bottled it and developed for other mobile platforms more than their own.