| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | attitude towards savings | Denmark | Social safety nets and government support lead to a more relaxed attitude towards personal savings for some individuals. | 1 |
| 2 | cash savings | Norway | Reliance on digital payment methods makes cash savings less common | 1 |
| 3 | personal savings | Norway | Strong support from the government and welfare system, leading to less emphasis on individual personal savings | 1 |