[ninalanyon]

We have BankID in Norway, run by DNB (I think). A single service that uses my personnummer (like a social security number but actually unique) as my user name and logs me in to almost all government services, banks, insurance companies, etc.

[Tor3]

And unfortunately it's also used in some places outside the ones you're mentioning, e.g. private persons renting out their camper (I've seen this). Which opens the doors to fraud, as has happened too many times (the fraudsters make it look like a normal bank-id lookup, gets you to do it twice, and then they have enough to open your bank account and withdraw money. If they can get you do to it three times they also have enough to remove the limit on withdrawal, and empty your account).

The system is highly convenient and pretty safe, but it does still need vigilance from the user. Which is tricky, re all those phishing attempts and click-scams which people fall for again and again and again.