| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | mobile payment | Germany | Security and data privacy concerns influence lower adoption rates | 1 |
| 2 | mobile payments | Germany | Slow adoption due to concerns about data security and a preference for traditional banking methods | 1 |
| 3 | purchasing cellular phone | Germany | Purchasing a cellular phone is often seen as a necessary and common expense, with many people owning smartphones for communication, productivity, and entertainment purposes. | 1 |