In Sweden we have a special authetication system that is owned by the banks. It is called BankID and generally works well but it has flaws, especially that you shouldn't use it if they call you and ask to you do it since that is a security risk by itself.

It works if I call a bank or insurance company or something like that. A robot voice will ask me to authenticate and when I have done so and is transferred to an operator they will see that I authenticated. So it works when I call them but not the other way around. We need a new system.