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Credit card penetration in Germany is ~60%. Compared to ~15% in Poland. eCommerce penetration is ~77%. Presumably that doesn't involve mailing in wads of cash.

• PurpleRamen 3y ago
  Credit card penetration doesn't say much in a country where banks are giving them out for free. Usage rate is quite different from penetration rate.
• okanat 3y ago
  In Germany much of the eCommerce is still made using wire-transfers not credit cards.
  • unmole 3y ago
    So, the context was about the use of cash because of supposed privacy consciousness. Do wire transfers confer any privacy over credit or debit cards?
    • pchangr 3y ago
      No intermediary (visa).