There's one group of Android users Google's new sideloading rules won't affect
(www.androidauthority.com)
No. You cannot. The digital id I was referring to can be activated only via app, and banking apps are mandatory. You can do web banking paying an additional fee and using sms authentication, but as I said it's an additional fee. Maybe worth paying for, ymmv.
But the real practical of the digital id is that I will never be (again) fined for driving without a driving license with me because I always have my phone with me. I usually have also my real driving license, but sometimes I leave the wallet home or whatever.
It's just practical stuff, you can do without, but why should I.