In Sweden there are the Roma/gypsy population who have smartphones but certainly don't have Swedish bank accounts. This is also true for many expats. Including

In Sweden there are the Roma/gypsy population who have smartphones but certainly don't have Swedish bank accounts. This is also true for many expats. Including other Scandinavian nationals. Americans have an especially tough time finding a bank to open an account due to FBAR and FACTA, treaties signed to combat money laundering and such. The result is that many bank branches choose to not offer accounts due to the added paperwork. No bank account. No bankid. Often fewer services available to you. Note: this is a common criticism for foreign nationals starting up a life in Sweden.