I’ve been enjoying the payment app and personal information verification app in the country I moved to quite a bit. The only previous exposure I had to a centralized app-based payment and/or verification system was China’s WeChat, so I had quite a bit of negative stereotypes with them… but I’m liking these a lot

For additional information: the two are separate apps. Both are private companies (I think?) heavily regulated by and strongly promoted by the EU I believe, and the latter is the de-factor verification system that is used for governmental stuff as well