| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | digital payment | Estonia | Estonia and Finland have highly advanced digital payment infrastructures with widespread usage. | 2 |
| 2 | digital payment | Nigeria | Digital payment in Nigeria is influenced by varying levels of access to banking services and internet connectivity. | 2 |
| 3 | digital payment | Urban professionals in developed countries | Urban professionals in developed countries view digital payment as an efficient and preferred method for financial transactions. | 1 |