This is doubly annoying as a tourist or immigrant: no, I don't have a local phone number, I don't have a bank account here, and I don't want to install $APP that is ubiquitous in your country but controlled by $Evilcorp.

Examples from several different countries: getting around without rideshare/taxi hailing apps, 'self check-in' gyms in Seoul, Covid-related QR codes to get into restaurants, stores that only take mobile payments.