In Sweden you have to use your Bank ID to take the buss. Meaning the bank has the same security as entering the bus. If you get robbed in Sweden they take your bank ID, use it to take a loan and then transfers all your money to a foreign bank. Because we got rid of manual cash.
Can you expand on this? SL accepts any credit card for purchasing single tickets and I assume you can buy an SL card using cash in for example Seven Eleven? Also, the issue with bank ID when you are robbed is identical to any bank app anywhere, isn't it?