Comment by buzer

In Finland banks are the ones who usually handle the strong authentication (not necessarily just the initial one). They are required by law to know the customer. In-person authentication in the branch is required to be done via either ID card or passport, those can be requested from police and expire after 5 years. Driver's license is not official ID card. Logging into you bank account requires 2FA (I'm not sure if any bank sends codes via text messages, at least it's not very common).

It can also be done with ID card (which is a smartcard) or mobile certificate (https://mobiilivarmenne.fi/en/) if the service supports it.