> First, it is not European alternative - it is Finnish. _Europe_ is not a single country.

What are you talking about?

Is there a law of nature that you can only refer to origins in terms of countries.

A Finnish alternative is, nyt extension, a European alternative.

It all starts with open formats, open data and open apis. Unless this is somehow guaranteed by law for interaction with public entities, it's going to be hard for any FOSS projects or independent apps/developers.

Without that, we have a situation where almost every bank tries to shove their stupid android app in your face so they can more easily track you. They also force you to their authentication mechanisms, instead of using already working ones. There are no APIs that are usable, only if you have $$$$$. They'll just ignore you if you're a regular client and want to download your data automatically via a reasonable mechanism, etc.

If only banks can write apps and have closed API, they will

You're correct but even more it is a Chinese platform with a Chinese cellular stack that runs linux and on top of all that the apps software is Finnish (so "European").

It is a very misleading title, indeed.

Edit: Sorry you got flagged to death. You should not post blasphemous comments ;)