In some countries, a phone app is becoming the front door to everyday services.
1. China — WeChat
WeChat combines messaging with payments, shopping, transportation, bookings, and other services. It has become far more than a messaging app.
2. India — UPI Apps
India’s Unified Payments Interface lets people transfer money instantly between bank accounts using mobile apps. UPI processed more than 241 billion transactions in 2025, according to recent reporting.
3. Estonia — Digital Government
Estonia built much of its public infrastructure around digital identity. Citizens can use digital systems to access government services, sign documents, and handle many administrative tasks online.
4. Denmark — Digital Identity
Denmark’s MitID system is used across government and private services, including banking. Its digital infrastructure also allows some life events to connect multiple government agencies without repeatedly submitting the same information.
5. Belgium — MyGov.be
Belgium’s MyGov.be app brings government documents, certificates, digital identification, and official communications together in one place.
6. South Korea — Super Apps
Korean platforms such as KakaoTalk have expanded far beyond messaging, incorporating payments and other everyday services. Research published in 2026 identifies KakaoTalk, WeChat, LINE, and Grab among prominent examples of the global super-app model.
The bigger change is that governments and businesses are increasingly trying to make one digital identity or platform the gateway to multiple services. In the EU, 71.9% of people aged 16–74 used government websites or apps in 2025.