Earlier quoted context omitted.
Without sharing examples, this is effectively a non-answer. Thanks for the comment.
In Sweden, BankID covers well over 90% of the population between ages 20 and 60 with a unique electronic ID. (Including 98% of those between 20 and 40.) It supports identifying yourself with a credit card and pin using a card reader given to you by your bank or alternatively (and more commonly) a pin combined with a smartphone/computer that you have identified as being yours.
I love BankID but I have been using it since the start and know the pitfalls to watch out for. Most people does not know the problems though.