| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | digital payments | Western countries | Increasingly popular for online shopping and peer-to-peer transactions | 1 |
| 2 | digital payments | western cultures | Common and preferred method for transactions | 1 |
| 3 | payment counter | Western countries | At the payment counter, customers typically pay with credit or debit cards and may be asked if they want to add a tip for service. | 1 |
| 4 | payment counter | Western countries | A common fixture in retail stores for customers to make payments at the end of their shopping experience. | 1 |