| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | pay | Germany | Expected in exchange for work or services provided | 1 |
| 2 | paycheck | Germany | Direct deposit is the norm, and receiving a physical paycheck is less common | 1 |
| 3 | paying bills | Germany | Regularly paying bills on time is considered responsible and necessary for maintaining a good credit score and financial stability. | 1 |
| 4 | payment | Germany | Cash payments are more common and preferred over credit/debit cards or digital wallets. | 1 |
| 5 | repayment behaviour | Germany | Timely repayment of debts is a sign of responsible financial behavior and is expected in these cultures. | 1 |