I'm mostly familiar with North Afrika, but I can tell you this: at that time in places like Egypt or Morocco you couldn't access government services from your Nokia, it wasn't a thing. 2FA was unheard of. Contactless payment is still a novelty, but definitely didn't exist at the time prior to smartphones. There weren't banking apps.

Best you could do on your phone is to play snake or send an email.

And if we are talking about places like Zimbabwe... there might have been like a hundred cell-phones in the entire country.

As for Asian countries? -- well, places like Japan or Hong Kong weren't much different from Europe. Places like India or China, by and large, didn't have coverage. Even relatively well-off Russia only had cell towers in and around big cities. In Russia at that time there were very few people able to afford a high-end Nokia phone, but even if they had one, those wouldn't be the people who needed a replacement for a PC, nor would they ever use their phone in such capacity. Due to poor economical situation all electronics were seen as a way to prevent wealth from depreciating. Few people who did buy expensive cell phones had no interest in using their advanced abilities, nor was there anything to use such a phone for.