Yes, the PIN of your debit into your phone...
https://www.bancontact.com/en/bancontact-app
What is wrong with the word "app"... They are called that.
And QR code is much much more preferred than just the app name. Especially because there are what, 10 zillion apps in the appstore? So they come up with names like "X company Home smart device controller" Your phone is in your hand. The manual is in your hand. Scanning qr takes 1 second.
Anyone who enters a real PIN into any phone application is blissfully deluded IMO. Speak to your bank and they will happily wash their hands of you and any chance of a claim against account issues. Frightening and yet not unexpected lack of security and basic account safety / common sense.
I still presume you are referring to another kind of ''pin'' - I really hope so.. however, if not, then your loss.
As for downloading some interface to see the temperature of your 'fridge' or to tell if your curtains are open or not, then there may be some benefit if one is using a mobile phone. It begs the question though as to how 'smart' these so called 'smart devices' are.
Surely the 'ACME curtain ope / close detector Mk IIIV' is smart enough - or should be - to communicate the information required to the host device AUTOMATICALLY.....