In Finland, we have a two-tiered system where "proper" research universities primarily offer master's degrees, with a bachelor's just an intermediate step for most, even if they do not intend to pursue an academic career. So, a programmer with a CS degree likely has an MSc. In parallel, there are "applied science universities" that are typically not research-oriented, and by default offer bachelor-level degrees in more practical fields of study such as nursing and engineering (including software engineering).