First, most "digital nomads" who interact with the public administration and institutions (e.g., banks) are not standard customers. Employees often have no clue how to deal with them and many processes contain manual steps that require someone's validation or approval, and often target a very small group of individuals (those tasked with "dealing with" foreigners). It can slow down things.

Second, Portugal is particularly well known for having great ideas and conferences about digital transformation but completely lacks the ability to deliver within its own ranks. To its defense, most citizens cannot easily purchase services online, either because lack of money, or because lack of computer literacy/equipment, or because they don't even have an online payment mechanism. These factors greatly limit incentives for a rapid digital transformation, which incidentally, is precisely what digital nomads crave for.

The comparison with Switzerland was made earlier, it matches my argument: 1) widespread computer literacy and modern endpoint equipment 2) widespread access to online payment solutions 3) the population is used to pay-as-you-go public service (vs. all-inclusive taxpayer service expected by citizens in most EU countries). These combined greatly encourage the deployment of efficient online interfaces.