| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | credit card usage | Indonesia | Credit cards are less commonly used, and cash or debit cards are preferred | 1 |
| 2 | paying by credit card | Indonesia | Less commonly used, and cash transactions are more prevalent | 1 |
| 3 | smart card | Indonesia | Less commonly used; traditional cash transactions are still predominant | 1 |