There are several types of verifications when it comes to crypto ATMs, and again they depend on the individual country and its legislation. What you describe is withdrawing money into your bank account, but most crypto ATMs are only one-way devices, which means you can only buy crypto with cash.

Some of them will only ask you your mobile phone number on which you will get confirmation code, others will ask you to show your ID on the ATM camera, or to show your face in front of the camera. Some ATM are using special software (check https://shuftipro.com/).

I think the USA has fairly strict laws in this regard (FinCEN) which requires that all clients in such transactions are identified, all of course for the purpose of preventing money laundering and terrorist financing.

Maybe Finland is one of the first EU countries that is starting to implement new EU directives (AMLD 5) which came into force on January 10 this year.