[mkohlmyr]

We have that in Sweden too. As an expat it's a complete nightmare for me from day one. Getting my bank to successfully issue it was impossible.

First, in the days before mobile bank-id, they sent windows-only hardware as I recall. Then came the days of letters/cards/hardware getting lost in the mail.

I gave up on it in the end. I have multiple things (banking-wise) I no longer have online access to because of it.

If you're going to make one system to rule them all you need to make sure the logistics actually work.

[adreamingsoul]

(3 years ago I moved to Norway) It took me about a month to get into the system, but once I had my national ID it took about a week for my MFA dongle to arrive. After that It has been a great experience.