It's great you do have a bank-bound system in Finland. I hope their implementation is not as bad as e.g. the Swedish BankID.
BankID is _in theory_ a nice technology. However, it is only handed out to people registered with the Swedish tax authorities holding a Swedish bank account.
All daily activities are nowadays bound to BankID: need a doctor's appointment? -> needs BankID; Want to buy something on Blocket? -> needs BankID.
As an European frequently spending some time in Sweden not in possession of a Swedish tax #, I feel very much excluded from online and partially offline activities in this country.