Oh boy, here we go again. Rachel reporting Dejoy slowing down mail again and it is affecting VA mail

[Celerity]

25. One stance on one thing doesn't preclude other choices.

I still like Vinyl over digital music. So do many. Some “olden day” things are still good. Cooking over fire, instead of a micro wave.

These have nothing to do with e-payments.

I absolutely understand we live (I have lived in the US in the past) in two very different nations, cultures, and tech systems.

The e-commerce and overall online systems here in Sweden are more secure than the US one, in large part due to BankID, which you must use to access most anything of import and/or make online purchases/pay bills. A thief can have all of your personal info, even have the physical cards, etc, but cannot do anything with it without the use of Bank ID. You can set it up to be required for your own in-store purchases as well (we do this ourselves, as does everyone we know).

https://en.wikipedia.org/wiki/BankID

Bank-id (trademark BankID) is by far the largest electronic identification system in Sweden, with a usage rate of 94% among smartphone users, and is administered by Finansiell ID-Teknik BID AB that is owned by several Swedish and Scandinavian banks. In March 2018 Bank-id had about 6.5 million active users and was supported by 600 web services. Only individuals with a Swedish personal identity number can acquire Bank-id.

Bank-id has existed in following variations:

Bank-id on file (on computer)
Bank-id on card (connected to a token device)
Mobile Bank-id (mobile based solution)
Bank-id in mobile (a discontinued SIM card based solution)

Example of usage areas are Swish payments, bank login, login to e-government, and access to medical records via Vårdguiden 1177.