BankId is a 2FA mechanism that proves that you are who you say you are. Before you can download the mobile app (Mobilt BankId) and assign a password, the bank must issue you a card with a certificate on it (BankID på kort[0,1]).
You use this card to then validate the Mobilt BankId, since it creates a chain-of-custody for identity, as it were.
In other words, someone with your personnummer on-hand can't just download Mobilt BankId and then assign their own password because they're lacking the physical evidence [read: the BankId på kort], which prevents them from falsely representing that they are you.
How Mobilt BankId works with BankId is that it houses a certificate (much the same as BankId på Kort) and leverages the same auth prompting mechanisms for challenge/response to authenticate the user. Essentially, it "replaces" the kort but only in the sense that the kort is required to be physically present in the system. With the Mobilt BankId app, the certificate is always present.
Sorry for the long-winded explanation but it isn't as simple as downloading the app and assigning a password and don't want people to get the wrong idea. :(
BankId is a 2FA mechanism that proves that you are who you say you are. Before you can download the mobile app (Mobilt BankId) and assign a password, the bank must issue you a card with a certificate on it (BankID på kort[0,1]).
You use this card to then validate the Mobilt BankId, since it creates a chain-of-custody for identity, as it were.
In other words, someone with your personnummer on-hand can't just download Mobilt BankId and then assign their own password because they're lacking the physical evidence [read: the BankId på kort], which prevents them from falsely representing that they are you.
How Mobilt BankId works with BankId is that it houses a certificate (much the same as BankId på Kort) and leverages the same auth prompting mechanisms for challenge/response to authenticate the user. Essentially, it "replaces" the kort but only in the sense that the kort is required to be physically present in the system. With the Mobilt BankId app, the certificate is always present.
Sorry for the long-winded explanation but it isn't as simple as downloading the app and assigning a password and don't want people to get the wrong idea. :(
[0] - https://www.bankid.com/en/om-bankid/detta-ar-bankid
[1] - https://support.bankid.com/sv/bankid/bankid-pa-kort