| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | digital payments | less tech-savvy culture | Less prevalent, with cash and traditional banking methods still being the primary choice for transactions | 1 |
| 2 | digital payments | tech-savvy culture | Widely embraced for convenience and security, used for various transactions like retail purchases, bills, and online services | 1 |