| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | banking communication | Sweden | Emphasis on digital communication channels such as chatbots and social media for customer support and engagement in banking. | 1 |
| 2 | banking industry | Sweden | Banks prioritize digital and cashless transactions, with a strong emphasis on innovation in online and mobile banking services. | 1 |
| 3 | banking technology | Sweden | Swish and Vipps mobile payment apps are commonly used for cashless transactions, even for small purchases. | 1 |