| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | handling money | Scandinavian countries | Cashless payments are widely accepted and preferred | 1 |
| 2 | handling of money | Nordic countries | Price negotiation in retail is uncommon and may be viewed as inappropriate | 1 |
| 3 | monetization model | Scandinavian countries | Frequently relies on government funding and public support | 1 |