| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | cashless payments | Germany | Preference for traditional cash payments and hesitation towards digital payment methods | 1 |
| 2 | cashless payments | Germany | Preference for data privacy and concerns about electronic security lead to a more cautious approach towards cashless payments | 1 |
| 3 | use of cashless payments | Germany | Relatively less common compared to other developed countries, with cash still widely used | 1 |