| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | credit card usage | Sweden | Prefer to use debit cards or direct bank transfers instead of credit cards | 1 |
| 2 | debit card | Sweden | Often used for contactless payments and less common for cash transactions | 1 |
| 3 | debit card | Sweden | Widely used for most transactions, including small purchases like a cup of coffee | 1 |