Can't speak for everywhere but in Sweden there is the rise of "bankID" which is a type of authentication App for your phone. I don't think they even offer the

Can't speak for everywhere but in Sweden there is the rise of "bankID" which is a type of authentication App for your phone. I don't think they even offer the physical card+cardreader combo anymore. That App is needed for access to Internet Banking via a web-browser as it sends a challenge to the App.