The Swedish non-government system (BankID) doesn't work well for me. My Swedish identity must not be dependent on the permission of a US company nor the US government, while BankID requires both.
So far my BankID boycott is over a year old, and my resolve grows as I read more of the news.
I once had my bank close my account because of a mistake they made (I can provide the background but it’s just a facepalming story). That meant my Bank ID was closed down, too.
I asked for an appointment with the bank to resolve it but was told I can only get an appointment with Bank ID.
It was outrageous. Obviously none of the other services worked either. Luckily I still had a British and a German credit card that I used for payments (since I lived in both those countries before). In the end I opened an account with another bank and moved on. Although I did try, furiously, for two weeks to get my old bank to admit their mistake and rectify it. No chance. If they had admitted it it would’ve meant they would have broken financial regulation, and obviously you don’t admit to that if you don’t have to.
Bank ID is great when it works and brutal when it doesn’t.
I actually don’t have a better proposal for a system since it works quite well in most cases, but just wanted to share my bad experience on it too.
Ask your bank for a pin machine, you can get a chip and pin machine to solve BankID challenges.
The machine itself is likely manufactured in China, but it’s of no consequence. You wouldn’t be able to communicate with me if you didn’t use chinese products at all.
Fundamentally though, that doesn't change the fact that the US can order a Swedish bank to either freeze access to a customer or the bank can no longer do business in the US.
So far my BankID boycott is over a year old, and my resolve grows as I read more of the news.