In Finland, extremely.
The banks here provide digital ID verification online. You use it to log into tax services, the national health-care database, to apply for schools, other education-related stuff, apply for welfare, register trade names… etc. The list goes on and on.
Stuff you’d otherwise have to personally visit or mail documents to offices of various government institutions for, can be done extremely smoothly online.
With my bank, the app is used for one of the verification steps. When verifying your identity online, you need to authorize the login from the app by entering a PIN from memory when prompted.
The same banking app also notifies me the second any money comes into or leaves any of my accounts. No transactions can occur without my knowing. It lets me know when I receive my pay, or when an electronic invoice comes in (power, phone bills, etc. come right into the app), gets automatically paid, or when explicit authorization is needed due to one being irregular.
Most of the services my bank provides can be accessed via browser, but the stuff above is the kind you can’t achieve in a browser.
Honestly OP Pohjolas app is so feature-rich I’ve been able to pretty much just let it run my finances for me. All I do is keep an eye on my accounts to make sure things are going right.
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