I wouldn't know about the situation in Sweden, but in other Nordic countries, you can get a little hardware TOTP device for bank and government authentication s

I wouldn't know about the situation in Sweden, but in other Nordic countries, you can get a little hardware TOTP device for bank and government authentication since they're not comfortable requiring everyone to have a computerized phone. You press a button and it spits out a 6 digit key that you enter. I realize this may seem backwards to some people, but I think using a hardware key is actually on the forefront of future best security practices. More complicated devices are simply too easy to hack.