As a German, when living in Sweden, I was (and still am) very impressed, how widespread the use of (Mobile) Bank ID, beside the use of the personal ID number (As a male German, the state has assigned me at least three different ones without requiring any interaction.) for basically everything, is.

In Germany, before introducing a second electronic way of authentication for online (or phone) banking, it was done by a chosen password and a TAN (transaction number) from a list that you regularly got sent by mail in a special envelope. Later it was replaced by that "thingy", a mobile TAN generator, or push TAN via SMS.