Yes, hesitent because it may have been homework. Anyhow the lines are getting blurrred as time passes since now a lot of programs are multi platform.
Ok, how about microsoft office = program(s). They run on macs and pc's, where as your banking "app" may only run on your android or ios device like a phone. On your pc, you wouldn't necessarily have a banking app, but visit your bank's web site via your web browser (browser = program).