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Ah sorry, "phone app" was slightly misleading. It's a special kind of phone app that's saved on the SIM card.

https://en.wikipedia.org/wiki/SIM_Application_Toolkit

There is a verification process: Only institutions capable of doing proper KYC can hand out BankIDs.

For those, like me, who don't know what KYC is: https://en.wikipedia.org/wiki/Know_your_customer.

I wonder if I or, more likely, someone else could write a GreaseMonkey script that would turn all these obscure abbreviations into explanatory tooltips.

They would also need your personal password. And the first time you use it you will need the one time pad your bank has provided you with.