| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | savings behavior | Sweden | Sweden's strong social welfare system leads to a relaxed attitude towards personal savings and a preference for digital payment methods. | 4 |
| 2 | savings behavior | Brazil | In Brazil, there is a preference for present enjoyment over long-term savings, with reliance on family and cash savings. | 3 |