Authentications are separated and if some signature must be placed or money to be sent, you must use other access code and the app shows the intention of what are you authorizing. If it is money being sent, you see where and how much you want to sent before you approve this request on the app.
But the app is all tied to digital identity from the id card in the first place - to set up these strong authentication guarantees in the first place you use your ID card. Some time ago we had to use computer with smartcard reader to set it up, nowdays I dunno whether it is NFC or something, but the mobile phone can read the ID card.
That's exactly what I mean! Who would use it if the UI/UX is terrible? Many Gemini (protocol) browsers like Lagrange have such pleasant UIs for it, though somewhat minimal. With sufficient push, you could have used mutual TLS from even hardware tokens.
It's nothing short of amazing that nobody worked on this. It's not as if there isn't a need. Everyone with high security requirements (defense, banks etc.) already do this, but this clumsy plugins and (semi-)proprietary software. Instead we get the nth iteration of settings redesigns.