You don't necessarily need a smartphone. This system has been around since like 2003 I believe, back then you needed a Windows PC.

Everything becomes much more roundabout and trickier to navigate. You actually need two, technically three things:

1. A Swedish social security ID, they are shaped like YYYYMMDD-XXXX, or just YYMMDD-XXXX.
2. An account with a Swedish bank.
3. A BankID certificate issued by said bank.

My roomie is German, and he doesn't have his Swedish social security ID yet, but rather a "coordination ID", it's basically an interim ID that looks almost identical only the date of birth has had 60 (I think) added to it. So say he's born 15th of August 1996 it'd be 19967515-2345. The last 4 digits are semi-random. Used to be based on gender and area you were born, but they scrapped the area bit, so now the first digit is an even number if it belongs to a man, or an uneven if it belongs to a woman. This applies to trans people too, provided they ask to have their number changed. Genderfluidity is not taken into account though, it's a binary system.

You cannot use BankID with a coordination ID, and very few people know what a coordination ID actually is, so often people assume that it's been misspelled or systems that have a built in validator don't work with it properly.

This has translated to him having to jump through lots of hoops to get things working. I think we visited his bank five times before he was even allowed to open an account, even though the law states that anyone is allowed to open one unless the bank has a good reason to suspect illegal activity. Any time he's had to do any sort of governmental thing it's taken weeks to be processed, usually a lot of phone calls and mailing is involved too.

He studied to become a truck driver, and everything about that was incredibly roundabout for him. For any other person with a BankID, it basically looked like this

1. Go to trafikverket
2. Register for a test by logging in via BankID (no sign-up necessary)
3. Do test in-person
4. Receive results digitally, and certificate by post

For him it was basically

1. Instructor calls Trafikverket
2. Get a form posted to fill in
3. Get form processed (takes a couple of weeks)
4. Do test
5. Explain that yes, his coordination ID is infact not misspelled
6. Wait for results
7. Pester instructor for results
8. Instructor pesters Trafikverket
9. Back and forth for weeks and even months before certificate is given out

Now repeat that for like half a dozen certificates. For a few months into his actual time working he wasn't allowed to drive forklifts, because after nine months they still hadn't issued his card. Things didn't really kick into gear until his boss called and yelled at his school.

Elderly people, and people without access to smartphones likely use autogiro to pay their bills, this basically means that they register a bill as a recurring payment, and then that's automatically pulled from your account on the payment date. I just have bills dumped into my bank and then I can pick and choose as I wish. On the odd occasion I'm sent a bill on the post, I just use my bank's app to scan it and pay.

There are still "analogue" ways of doing things, but 99% of the time when you make contact with a governmental institution they'll first ask you to just do it via their website, and if you ask for forms, they'll let you know that you can print them on their website. My first trip to the employment office I was basically greeted with "why are you even here? Just use our website."

Everything here is incredibly digitalised, and it all started in the early 00s, before smartphones. Apart from grocery stores and bigger chains, plenty of places don't take cash anymore, deeming it a security risk. There are also certain boons with it. For example, the chain I usually buy my groceries from (when I shop in-person that is) has an app you can use to scan and pay. When scanning an item to put it into your "basket" you get nutritional info and allergens displayed on the screen. As a life-long vegetarian that's always scoured labels to ensure I don't accidentally poison myself; this is incredibly nice.

When going to the check-out you just scan a QR code, and then I can pay using Apple Pay, or Swish. Once I've paid I get a "check out" QR code I show to a scanner to let me out of the store. There are stores that operate entirely on this concept and only have staff for stocking. This is particularly nifty in smaller sattelite communities that otherwise wouldn't have any grocery stores.

Swish is another service owned by the banks that let you easily transfer money to businesses or private people without having to bother with banks and account numbers, you just need a business number, a phone number, or a QR code, or an app that makes use of their API.

The system works really well most of the time, I've never experienced any sort of outage or anything, but I've now seen what being outside of that system looks like and it's tough!