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As a Swede living in the US, the difference is in Sweden the SSN is your username, in the US it's become the password.
by jbarberu 7y ago
As a Swede living in the US, the difference is in Sweden the SSN is your username, in the US it's become the password.
- blaser-waffle 7y agoThat is a good explanation... So then what is the password?
- swebs 7y agoSome sort of 2FA code, either from an app on your phone, or a unique code page provided by your bank.
- stenl 7y agoIn Sweden, the password is BankId, a two-factor authentication app that everybody has on their phones. It’s used by all government agencies, banks and insurance companies etc to establish identity. You literally use your ssn as username to login, plus a pin, to generate a one-time passcode (which happens behind the scenes so you don’t have type it in).
- umanwizard 7y agoWhat if you don’t have a phone?
- intarga 7y agoNot a swede, but we have a similar system in Norway. If you don't have a phone you can get this little device with a 7-segment display and a button that generates one-time authentication codes.
- swebs 7y agoI know when you make an account with Nordea, they give you a page with several hundred codes printed on it. Each time you authenticate, you have to use the next code in the list. If you use any other code on the page, it's considered invalid. They instruct you not to mark the page so if someone takes your code page they do not know which one is the current code.
- grimjack00 7y agoBut then, how does the account holder know which is the current one?
- stenl 7y agoEverybody (90% of over-12s) has a smartphone but you can also use a computer. 98% have internet at home. Edit: latest statistics show >95% have BankId on a smartphone. See https://www.bankid.com/assets/bankid/stats/2019/statistik-2019-07.pdf https://www.bankid.com/assets/bankid/stats/2019/statistik-20...