Do you mean to say that all these services require strong device integrity to function in Sweden?? In Australia, no local app that I'm aware of (banking, finance, government, medical) requires any form of device integrity - otherwise I couldn't use them. The only exception I've encountered is Google Wallet.

I wonder why there would be such a difference in policy between countries, not only in government but across the private sector? This doesn't make any sense to me. If anything, I'd expect Sweden to have a more sensible, left wing attitude than Oz.