| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | digital payment | Germany | Slow to adopt with a preference for cash-based transactions | 1 |
| 2 | digital payment methods | Germany | Less commonly used, cash is still preferred for many transactions | 1 |
| 3 | digital payments | Germany | Adopted but coexists with strong cultural preference for cash transactions | 1 |
| 4 | payment methods | Germany | Bank transfers and direct debits are commonly used for regular payments like rent and utilities. | 1 |
| 5 | payment processing | Germany | Payment processing through mobile apps and digital wallets is prevalent, with a strong emphasis on security and privacy. | 1 |