I don't know about Norway, but here in Sweden you'd have one app per task, but since they integrate with each other it really isn't a problem. For example, I have an app for my region's public transportation and when I'm buying a ticket it uses the Swish (peer-to-peer payment system everyone uses) app for payment, which in turn may use BankID (national identification service) for identity verification, which uses my phone's biometrics. It sounds like a lot, but since every part is well integrated the full flow is just: tap ticket, tap buy button, fingerprint/face id, done.