Works this way for my government and my bank. I was given a cert matching my real name and the login just asks for my cert and pulls me through (with additional 2FA for the bank). Pretty amazing if you ask me.
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.