[RegW]

I don't have a mandatory bank or gov id app. Where are you living?

[Grombobulous]

Apparently much of Europe is a strange banking dystopia.

Perhaps the antiquity of the US banking system is finally coming in handy. I’ve still got my checkbook ready to go!

[gpvos]

I'm still living in the Netherlands without a bank app. It's occasionally less convenient, but quite doable.

[seba_dos1]

I'm living in Poland and the only thing my bank's application gives me that its website doesn't are mobile TOTP-based payments - and even then it just works in Waydroid, so I can still use it on a GNU/Linux phone if I want to.

[LtWorf]

In sweden it's not "mandatory" in the sense that it's illegal not to have it. It's just really really complicated to live without.

Many services won't work at all.