Do the banking apps have features that the (mobile?) websites do not? Genuine question, I have no frame of reference for Swedish banks
There's also swish, which is instant payments to both friends and businesses. Swish also uses BankID.
BankID is also used to sign documents, file taxes, etc.etc.
Swedish society is largely built around this one official MFA solution, and having a phone where you cannot run it is a real hassle