Banking is pretty disfunctional in Sweden. Lots of bank employees seem not to want to work, i.e. they were refusing to open a bank account for me on an EU passp

Banking is pretty disfunctional in Sweden. Lots of bank employees seem not to want to work, i.e. they were refusing to open a bank account for me on an EU passport until I asked for written confirmation (which they have to give by law), when suddenly it wasn't a problem anymore (colleague went to the same bank some months later, same employee, was told the same thing, so it's not that they don't know the rules). That said, they do have authentification down. Essentially you use your mobile bank id (an app that you connected via your id card) and when they need to authenticate you they push an notification to your phone that you confirm (using a PIN). Only annoying thing is that mobile bank id only works on android and ios.