Have been living on and off in Switzerland for the last 7 years(Zurich mainly). Your post describes my experience in Switzerland when I first moved here, howeve

Have been living on and off in Switzerland for the last 7 years(Zurich mainly). Your post describes my experience in Switzerland when I first moved here, however for the past year or two (since contactless payments and NFC took off) I would say that your first point has completely reversed - it is now much faster to pay with card unless you have the exact change ready. Also regarding your third point, anecdotally I have heard that many smaller shops/restaurants are now pushing for non-cash payments as it is more difficult for employees to steal that way. In Sweden and Denmark there are many places where cash isn't accepted. Come to think of it, I was on a business trip to Frankfurt last week and the restaurant we ate at only accepted cards.