Bloomberg: How Sweden’s push to go cashless has left consumers and the country vulnerable to online fraud; value of fraudulent transactions has doubled since 2021 — Sweden has led the way in Europe in going cashless, but fast and easy digital commerce have left consumers and the state vulnerable to fraud.
If they use their fingerprint for bankid identification I am not sure you’d be safe from mugging and subsequent app money transfer.
The hurdle to do that more than once is far higher that way. If he used his own back account or whatever to send the money to, that is like leaving his credentials.