It truly is. We are a completely digital society and everything is authenticated with BankID. The name is a misnomer, it's not just banking but every single government service (including healthcare).

I might be wrong but as far as I'm aware there's no legitimate APK downloads. And even if you get a hold of it, they use google services to attest the phone is secure, so there's no running it on a google-less OS.

The workaround used to be SMS codes, scratch off cards, and a physical 2FA codebrick. They cancelled SMS and the card, and currently you can't acquire a codebrick until they figure out some new bullshit about ID verification. Even the app is warning us it will quit functioning if we don't submit a passport and biometric face scan to some private company: https://bankid.no/en/help/confirm-identity

It's fucking dire.