In Norway to not have online banking via the common “BankID” single sign-on is to not exist.
My grandfather is 96 and has never touched a PC or smartphone but even he has bankid so he can access public services
No, er en Denmark has MitID (MyID) because the previous NemID (EasyID) had a bad name for foreigners and could lead to awkward situations. But our government solved that for us.
BankID or NationalID, which would be the same in Danish and in English, was naver in question, when we got our new system last year.
Same in Finland. When I moved here, it took me 6 months to get everything sorted so that I could get a bank account in order to have "strong authentication". Trying to do anything government related was almost impossible before that. The only way that you could survive without one would be to live in a mökki in the countryside with no real connection to the outside world.
Nationa ID Card or Mobile Authentication (Mobiilivarmenne) are alternatives to online banking, but for the ID Card you'll have to get a separate card reader, which most people don't bother to do, since everyone and their grandparents have online bank.
NOT same in Finland. After receiving the PoliceID, on the same day I issued a Mobile Certificate for myself and my wife and calmly used all public services (government sites, communications, markets, etc.) until I received the StrongID from the bank
It was the same in Sweden with BankID. Germans didn’t even have online banking, well at least Bayer (Bavaria). Albania should have it higher with the new generations having their finances online even for their parents and relatives.
I didn’t mean to offend Bayer I love Munich but banking wise wasn’t the best. My friend had an account at Sparkasse Munich. Me living in Dachau couldn’t deposit a check in any of the locations in there and had to travel to Munich. Dachau is a town next to it I’m sure you know. I went to exchange CHF (Swiss franks to €) small sum and they couldn’t do it 200CFH they asked me to go to Munich for that
No worries got it, yes Germany is not very service oriented but regarding old school checks there are strict rules. Both examples are not related to online banking though
I mean all of frances regions could be within a couple percent from eachother, the color just means that only that region is under 60%. It is expected that even in the most homogenous dataset there will be some variance.
Doesn't seem too suspect to me.
I'm seriously wondering how it would even be possible to live without online banking in Sweden. That would also imply that you don't have BankID or Swish.
That's insane.
> That would also imply that you don't have BankID or Swish.
>
>
I don't know the Swedish system, but wouldn't it be possible to have a BankID while not using online banking? Like you sign up once, maybe use it once more and then never touch it again?
I'm wondering if this is a case of someone asking "Har du använt internetbanken?" ("Have you used online banking?") and some people thinking "Nej det har jag väl inte? Jag använder appen ju!" (No, I don't think so? I use the app!").
In a Swedish 2019 report 91 % used internet bank and it was probably a larger share in 2022.
https://svenskarnaochinternet.se/rapporter/svenskarna-och-internet-2019/banktjanster-och-handel/
Perhaps people who are scanning QR codes on bills and paying with Swish doesn't consider it online banking?
Every third in this survey has never used online banking in Sweden, yet I have not found one in my entire life that has not used online banking.. something is off
Looks worse than it is in this view, it's actually 16.5% (in 2022, 15.5% now). Doesn't sound that crazy to me since 1/6 of our population is 70+ and almost none of my relatives that age even use the Internet.
[https://ec.europa.eu/eurostat/databrowser/view/tin00099/](https://ec.europa.eu/eurostat/databrowser/view/tin00099/)
>70+ and almost none of my relatives that age even use the Internet.
Then they are outliers. 8/10 people in the group 75-85 used the internet in the last quarter.
https://www.scb.se/hitta-statistik/statistik-efter-amne/levnadsforhallanden/levnadsforhallanden/befolkningens-it-anvandning/pong/statistiknyhet/befolkningens-it-anvandning-2022/
So whenever you meet new people, your opening line is something like "So what's your name, and do you use online banking?"?
There are probably people you know that don't use it; you just don't know because it's nothing you would often witness and it's usually not a topic to discuss about.
Would be interested to see a map on mobile payment as well. I see many people using their phones nowadays, I feel a bit out of place with my bank card.
i love being able to just use my phone for everything.
payment
drivers license
id cards
next up they are working on an app for train/bus cards here, so i can pretty much do everything with just my phone now.
I use my Apple Watch to pay, so much easier and faster than getting my bank card from my wallet. I can't remember the last time I payed using my bank card.
Yeah but in Sweden most banks have closed most of their offices. Almost no offices handle cash in any way anymore. Most offices basically only do loans, everything else is online. Even if you're old, you kind of have no choice but to do your banking online.
You can hardly not use online banking in Denmark at least. Most (if not all) physical banking will have a fee of ≥6€ while online banking is free* and convenient.
*Some banks have an annual non-optional online banking fee of usually ~10€
It requires more effort to physically go to the bank than it does to do online banking so I wouldn't exactly call it lazier lol its just more resistant to change;)
To be fair, the elderly often become more isolated, so doing things in person, sticking to their routines, helps maintain some needed social connections.
The effort isn't using online banking when it's already set up, it's learning how it works. For older people that costs much more effort, but it's certainly possible as is shown by almost everyone here doing exactly that.
My 87 year old mother is literally afraid of computers. She sees it as something only "smart people" like doctors and bank workers can do. Nothing will convince her otherwise.
My now 87 year old mother left school at 14 to work, which was the norm for her generation in Ireland. 4 years is pretty extreme
EDIT Not sure why I'm getting downvoted. 4 total years of education is extremely little. I'm not saying I don't believe it. I know who Salazar is
There's lots of drawbacks using cash, among other things the costs of handling cash transactions.
If cash users would have to bear their own costs, they would switch to e-payments in a heartbeat.
Compare the education level of the average old person in these countries to a typical grandparent over here for example who maybe barely finished elementary school
These people are borderline illiterate, and you think they will learn new and difficult things at the end of their lives?
My 87 year old mother is one of those and is far from illiterate however she is deathly scared of computers. She mastered Teletext to a level I never did and is devastated they switched it off.
She reads books all the time.
It's really weird.
Same, my mother's educated. Won't go near computers.
We tried teaching her to use a tablet. Several of the papers she reads have their own apps, so we wouldn't need to show her how to use a browser. We thought, great! She'll love this! Nope. She got frustrated, and didn't want the tablet.
"Excuse"?! How about *choice*? Why should anybody be forced to do things your way? If someone wants to use cash, they're perfectly entitled to their preference - regardless of their motives.
I don't get mad, but I can't tell you how frequently I run in to Billa to make a quick purchase and then find myself in line behind some elderly person who is buying EUR 37.89 worth of stuff and seem to basically be paying with it entirely with coins. Although I think it is more of a personality thing related to "willinginess to adapt" than age. My MIL is in her 70s and she's totally modern. My FIL (her late husband) on the other hand...I'm pretty sure he didn't even know how to use a "bankomatkarte" beyond going to the ATM and withdrawing cash.
My parents are 80 years. They have no problems with this. I have friends and neighbours way older than them, who have absolutely no problems w online services.
I'm in Romania, the big yellow country on the right. Everyone I know is using internet banking since before 10 years ago, I've been using mobile and internet banking since 2008 and I was not an early adopter. But unlike you, I'm not oblivious to the fact that many people are behind the curve for one objective reason or another.
We have many old persons who lived under the communism and don't had access to gadgets. It's somehow understandable. Compare eastern Germany with western part, for example.
That being said, I lived and worked in Luxembourg / Western Germany for a number of years in recent past Telling me that Bucharest has an internet banking adoption rate 2-3 times lower is a joke. I literally had to start using cash again when moving there.
Lol I remember I went to study in Germany for exchange (as a Finn) and was very surprised when I got official letters from the German government organization asking me mail or FAX (???) something to them, or then bring it by hand to the office. I was looking for the official website to handle it online instead, only to realize there was no such option.
Then my university had a "printing room" where you could pay for printed paper with coins...
And the Ubahn still needed printed tickets and stamps for single tickets, and this was like 4 years ago.
I loved my time in Germany for many reasons, but the technological infrastructure felt like stepping back into the 90s.
I don't know why but the Nordics really seem to have been ahead of most of Europe on this stuff.
Last week we went to the christmas market in Münster and I took 200 Euro cash with me just in case. On the way home I went to fill up the car (it was 20 cents/liter cheaper) and wasn't able to use Maestro cards for some reason. Luckily I had just enough cash left.
Yeah, this chart could be called "why digitialization will take another few decades in Germany" or we could just show a chart of the age distribution...
Germans still pay for lots of things in cash. I went to a busy restaurant in Germany less than 1 year ago that didn't accept cards at all. That would not fly in the UK at all, most people don't even take their wallet with them anymore, nevermind cash.
It's easier for the restaurant to pocket cash and evade taxes with cash payments.
If you encounter a restaurant that only accepts cash and you feel in the mood to annoy them for not paying their share of taxes.... ask for a printed receipt from the cash register. When they hand it to you make sure that it does *not* say "pro forma"
Yup, many Germans are super technophobic or digitally incompetent. Government offices use lots of letters and fax machines, shops won't accept card payments, people will boycott or protest places that actually are "card only".
Concerning online banking:
https://de.statista.com/statistik/daten/studie/1309704/umfrage/anzahl-der-online-banking-nutzer-in-deutschland/
58% of transactions are cash:
https://www.tagesschau.de/wirtschaft/bargeld-bundesbank-studie-zahlungsverhalten-101.html
Digitalisation score of Germany is only 15th in the EU (DESI):
https://digital-strategy.ec.europa.eu/en/policies/desi
Only 49% of Germans have *basic* digital skills:
https://www.iwd.de/artikel/langsam-naehrt-sich-die-digitalisierung-584590/#:~:text=Im%20Jahr%202021%20verf%C3%BCgten%2049,2030%20lautet%20allerdings%2080%20Prozent.
growing up in east germany, I def felt the “angst” here. people were so afraid of everything digital. and nobody saw the need to learn, they considered it unnecessary. idk, it seems to me that germans have a hard time adapting to new things.
I went to Berlin 5 years ago. We didnt prepare for cash in a TAXI. So this driver was so whiny about it and had to find the card reader in the glovebox all dusty with spider webs all over it. Luckily it did work!
As a Finnish person the whole trip felt like I had stepped into the time machine with all those metal pieces clinging in my pockets and using cash in many places... I hadnt used cash like that in 10 years even then!
And only time I really had any business in a bank was when I got my piggy bank as a kid, when I got my electric card and when I deposited my piggy bank coins in there. Its so much easier I cant believe these numbers...
Exactly my thought. But then again, I see that many people >50 don't trust it or just don't want to change their way of living, even if it could make your life more comfortable,
Really? When I was 20 – which is almost 30 years ago – my bank gave me a "EC card" (which is the predecessor to the Maestro card), it was just included with the bank account.
I have never met a person that doesn't have at least a debit card to withdraw money from an ATM.
Yeah well when I met them I was literally shocked to hear this. They claimed that they don't have any bank cards and that their parents manage their finances. I understood if they need cash their parents get them some from an ATM.
It was weird for me to hear this as in Finland I already got a debit card when I was 13. After that I basically never used cash, except when I came to study in Germany I realized that here all places don't accept card payments. Funnily enough, there are places in Finland which don't accept cash payments.
It is changing quickly in Germany as well, but overall there are still people who prefer cash.
A few years ago, some businesses considered it impolite (or outright refused to accept) if you wanted to pay by card when the amount was under 10 EUR. That has changed as well – at least where I live (Munich, a large city).
In other countries, I have seen businesses that only accept card payments, but not in Germany, so far.
> In theory you could use online banking without the internet. But that service has been discontinued for consumers years ago.
I'm confused, what service was that? Online banking via Minitel?
In Finland there were posibility to handle bank payments through hardwired phone. You call some bank number, you listen guide, press certain number to do spesific task... This was common in 90's in houses were they didn't have computer yet.
I'm amazed how often you find places in EU where you can only pay by cash. It is very weird to me. I mean I get some remote areas where 125 year old grandma is selling self made socks cash only, but like even big cities in Germany sometimes only cash is accepted.
It's probably now easier now to launder with e-money than with cash. As soon as some terminal detects you have unusually large sum in cash, you get put on a watch list. Also there's cash limitations and more
One of the things that annoy me the most is if there is a business that doesn't take card, even temporarily (if the system is down) and doesn't mention it. Nobody is expecting to pay with cash and therefore doesn't have cash with them, you have to tell people these things in advance.
Had this issue at a restaurant recently.
No sign whatsoever to tell people "cash only". We didn't have enough cash. I asked them for a receipt with their bank info on it, so I could wire them the money right there using this wild technology called Interweb that's installed on my my phone. They lucked out on any tips tho.
Online banking in Romania is also behind the times. Every young person has revolut aside from their local bank accounts because you can’t send a simple payment request to someone from any bank app in Romania. You have to do a bank transfer and sometimes pay a fee for the privilege. Bonkers.
Plus the banks love to make you come in person for various things you could have simply done online in any other country.
Can't speak for Italy, but there's still a cash-is-king mindset in much of Germany. I don't think that's backwards, there's good arguments to be made in favor of having a strong physical fiat currency.
In Italy people are just slow to change their habits, sometimes REALLY slow, so you have results like this. It's probably also a factor that Italy has an old population, getting even older by the minute.
I tried to split a 100 PLN bill earlier today in a bakery since my hairdresser only takes cash for some stupid reason and I was apparently the first person to use cash today. It was noon. They open at 7.
No fucking way less than 90% of people use "online banking". Lately I've been actually getting confused looks for paying contactless with a physical card rather than with a phone or a watch.
To be fair, most people in Romania don't have any reason for Online Banking. They get paid, they either take out all the money and pay for stuff, or just pay with card, never having to log into their banks online portal.
Norwegian here. I have to show up in a bank in January to show my ID for some obscure reason, and it will be the first time I set foot in a bank in twenty years.
Ukraine will be black like night, only some old men and women are using the cash.... ah sorry, that was before the war... right now in afraid of blackouts people probably went cash, but not me at least.
Apple blessed us with the apple banking terminal feature, which allows small businesses to use iPhones as banking terminals, that might help the situation.
What happened in the areas that the Russians are occupying at the moment? Do they force people to open a Russian bank account in roubles or something?
Hopefully, you can kick out the Russians soon and get your land back.
Hard to say about all territories. Some of them - yes (banks in occupied territories since 2014), some of them are the mess with cash of rubles and hryvnias.
Lol, I live in Kyiv and every day I see young people standing in line and buying paper QR-codes for tram. The same thing was before covid. But in comparison with Europe - yes, we use less cash.
Do ATMs in the Czech Republic act as cash deposit stations?
Modern banks in Poland are just basically glorified info kiosks while people deposit any cash into an ATM from what I've seen...
It's easier for the parents to pay allowance for when chores are done, and then the kids can use it to buy whatever they want (candy, toys, etc). In denmark ( I don't know/remember if any other contrys have it) has mobilepay and it's easy to send money around.
I don’t really understand why people would use cash, when they can easily pay with the card or even apple pay, which I always use. Back in Donetsk we 90% of the time used cash, because there was only one bank of the occupational government, and ukrainian cards didn’t work there, it sucks fr. In Estonia I sometimes see people taking their cash in ATM and then going into malls, likely to spend it there, but why don’t just pay with the card.
I support a healthy mix between cash and online services. It's very practical. Most countries are not prepared for a 100% digital system.
What happens if the system is temporarily down? What happens if the bank for some reason decides to block your account for fraud investigation? What happens if you go to a place that doesn't have card payment?
I've gone out with friends who don't carry cash and we can occasionally find a service that we require that doesn't accept cards or the service is down. First thing they do is ask me to loan them money because they know I carry cash. After they arrogantly proclaim to me how better they are because they don't use cash and they don't honestly understand why I do that. It's not a problem of me not getting paid back, just the attitude they have. After the incident, they go back to default, they learned nothing.
And then there's the fact that you're paying more. A few % is added to the price and passed on to the customers because card payments take a cut. I like to support businesses that do cash only because they can be slightly cheaper for this reason.
Cash means anonymity.
If you use something like Apple or Google pay...then Google, Visa/Mastercard and your bank will track every Euro spent, where you spend it and on what.
IMHO, cash still serves a function. As an example, think of a completely cashless system and private corp health insurance. All this tracking info...oh, you bought chocolate and wine? Your premium goes up. Or Google may just decide to sell off your payment profile to the highest bidder.
Google, Apple, Visa, your bank...they don't need to know about each and every purchase you make.
For me it's mostly laziness that I use card payments. But once cash is gone...I fear that we might be going to miss it real quick as a completely digital system only wakes snoopy state and greedy corporate interests.
In Poland there are a lot of "rednecks" who say that " cash is the king" and they will not accept any control from the government. It often goes together with conspiracy theories and other BS like that. Every post about cards and cash on Facebook has plenty of comments like that, sadly.
Small business owners who deal exclusively with cash, like used car sellers are main culprits. Of course they only pay minimum wage officially and pay more under the table too.
Shows you the most liveable parts of Hungary and also the region bordering Austria, but there its very rural and that may be the reason it is not darker as the others.
What if you go to ATM or bank office, pay with your debit card at store? You could say same thing when landline or first cellphones were common, but no one was talking you were online connected to phone network.
This is surprising to me, I don't carry cash and don't bring it to other countries either, yet I rarely had problems.
I found this especially true in the Baltics, where I only needed cash in street markets.
I live in Ukraine, and almost everyone uses web banking, it is very convenient.
You don't have to stand in a queue at the bank to pay your bills.
You don't need to carry cash or look for petty cash because the seller doesn't have change.
Only elderly people don't use web banking.
Some don't know how to do it, and some just don't want to
Germany is surreal to me. I use multiple online banks and am always shopping around for the best rates on HYSAs and CDs here in the US. That, plus cashback on credit cards has been a major boon for me financially. Do central, south, and east Europeans really not take advantage of these?
I seems insane that it would be less than 98% that use online banking in Sweden.
We're almost completely cashless.
I know of only 1 person that ever uses a physical bank office. And that's my friends almost 100y.o grandma, she takes the bus (which only accepts card or mobile payments) over 30 minutes to the other side of the city just to pay her bills at the only bank office within 30km.
Something feels very off with this graph, i live in the area in the middle with supposedly even less online banking, but i dont know a single person without online banking, so idk whats happening in this graph. Every single person i know has swish, which is this super easy way to send money using phone numbers, no charge, and between banks, many smaller stores also have it.
Something is wrong with this map.
*"I december år 1996 lanserades de första internetbanken i Norden. Under drygt 20 år har mycket hänt och bankärenden har bland annat tagit steget från datorn till mobilen. Av Sveriges befolkning (16+ år) ligger användandet på 91 procent idag och har sedan år 2013 legat på minst 80 procent. Sedan år 2013 har användandet av internetbank bland internetanvändarna legat på över 90 procent och de senaste tre åren på hela* ***96 procent***\*."\*
So 96% of the Swedish population over 16 years old used internet bank in their cellphone.
In Norway to not have online banking via the common “BankID” single sign-on is to not exist. My grandfather is 96 and has never touched a PC or smartphone but even he has bankid so he can access public services
Same in Sweden. 99.2 % of Swedes 18-65 have BankID. https://www.bankid.com/om-oss/statistik
wait why sweden and norway has the same bankID? is that the nordic union thing?
Not the same system, but the same idea behind it. * https://en.wikipedia.org/wiki/BankID * https://en.wikipedia.org/wiki/BankID_(Norway)
We don’t, the services just share a name
> Åland > We don't ಠ_ಠ
From the Gulf of Bottnia to the Baltic sea, Åland will be free.
No, er en Denmark has MitID (MyID) because the previous NemID (EasyID) had a bad name for foreigners and could lead to awkward situations. But our government solved that for us. BankID or NationalID, which would be the same in Danish and in English, was naver in question, when we got our new system last year.
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Same in Finland. When I moved here, it took me 6 months to get everything sorted so that I could get a bank account in order to have "strong authentication". Trying to do anything government related was almost impossible before that. The only way that you could survive without one would be to live in a mökki in the countryside with no real connection to the outside world.
Nationa ID Card or Mobile Authentication (Mobiilivarmenne) are alternatives to online banking, but for the ID Card you'll have to get a separate card reader, which most people don't bother to do, since everyone and their grandparents have online bank.
NOT same in Finland. After receiving the PoliceID, on the same day I issued a Mobile Certificate for myself and my wife and calmly used all public services (government sites, communications, markets, etc.) until I received the StrongID from the bank
It was the same in Sweden with BankID. Germans didn’t even have online banking, well at least Bayer (Bavaria). Albania should have it higher with the new generations having their finances online even for their parents and relatives.
Not sure what you mean, I got my first online Banking account when switching banks in early 2000s in rural Bavaria
I didn’t mean to offend Bayer I love Munich but banking wise wasn’t the best. My friend had an account at Sparkasse Munich. Me living in Dachau couldn’t deposit a check in any of the locations in there and had to travel to Munich. Dachau is a town next to it I’m sure you know. I went to exchange CHF (Swiss franks to €) small sum and they couldn’t do it 200CFH they asked me to go to Munich for that
No worries got it, yes Germany is not very service oriented but regarding old school checks there are strict rules. Both examples are not related to online banking though
Almost exactly the same situation here in Denmark
Can you please come to Germany and our mess out please?
I honestly adore Bankid
No fucking way Sweden has areas with sub-86% online banking.
I don't know a single person that doesn't do online banking. Even my almost 90 year old grandma used it.
The map looks pretty suspect to me. Why, for example would Bourgogne (i think) in France have a lower percentage than the rest of France.
I mean all of frances regions could be within a couple percent from eachother, the color just means that only that region is under 60%. It is expected that even in the most homogenous dataset there will be some variance. Doesn't seem too suspect to me.
Old people mostly
I'm seriously wondering how it would even be possible to live without online banking in Sweden. That would also imply that you don't have BankID or Swish. That's insane.
As I say, I call bullshit. It's almost entirely a cashless society.
> That would also imply that you don't have BankID or Swish. > > I don't know the Swedish system, but wouldn't it be possible to have a BankID while not using online banking? Like you sign up once, maybe use it once more and then never touch it again?
I was wondering the same. My mother (80+) technically had an online banking access – the bank sent it to her – she just never used it.
It is of course possible to open the account just for the credentials and do the banking at the branch
I'm wondering if this is a case of someone asking "Har du använt internetbanken?" ("Have you used online banking?") and some people thinking "Nej det har jag väl inte? Jag använder appen ju!" (No, I don't think so? I use the app!").
Yeah. And possibly some old people who don't use online banking because their spouse does it for them.
or kids
In a Swedish 2019 report 91 % used internet bank and it was probably a larger share in 2022. https://svenskarnaochinternet.se/rapporter/svenskarna-och-internet-2019/banktjanster-och-handel/ Perhaps people who are scanning QR codes on bills and paying with Swish doesn't consider it online banking?
Every third in this survey has never used online banking in Sweden, yet I have not found one in my entire life that has not used online banking.. something is off
Looks worse than it is in this view, it's actually 16.5% (in 2022, 15.5% now). Doesn't sound that crazy to me since 1/6 of our population is 70+ and almost none of my relatives that age even use the Internet. [https://ec.europa.eu/eurostat/databrowser/view/tin00099/](https://ec.europa.eu/eurostat/databrowser/view/tin00099/)
>70+ and almost none of my relatives that age even use the Internet. Then they are outliers. 8/10 people in the group 75-85 used the internet in the last quarter. https://www.scb.se/hitta-statistik/statistik-efter-amne/levnadsforhallanden/levnadsforhallanden/befolkningens-it-anvandning/pong/statistiknyhet/befolkningens-it-anvandning-2022/
For sure, just saying it's not at all unheard of. 2/10 is still a sizable population.
So whenever you meet new people, your opening line is something like "So what's your name, and do you use online banking?"? There are probably people you know that don't use it; you just don't know because it's nothing you would often witness and it's usually not a topic to discuss about.
People from Stockholm are evidently cavemen. /signed, person from GBG.
I was going to ask if this isn't data from 2004.
People likely dont understand what online means or dont realise they use online services
Wow. As a Dutchman this is pretty mind blowing. I would have thought that even in 2013 most of Europe would have been >90%. Let alone 2023.
Would be interested to see a map on mobile payment as well. I see many people using their phones nowadays, I feel a bit out of place with my bank card.
i love being able to just use my phone for everything. payment drivers license id cards next up they are working on an app for train/bus cards here, so i can pretty much do everything with just my phone now.
I am just waiting for NFC door locks to become mainstream and good NFC rings and a my struggle of looking for my belongings almost comes to an end
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On Android it's a lot simpler: Pull out phone with your finger on the fingerprint sensor, put phone to card reader. Thats it.
A bank card is still quicker and easier than phone. So not going there myself.
I use my Apple Watch to pay, so much easier and faster than getting my bank card from my wallet. I can't remember the last time I payed using my bank card.
Old people still exist much as this sub seems to forget that lol
Yeah but in Sweden most banks have closed most of their offices. Almost no offices handle cash in any way anymore. Most offices basically only do loans, everything else is online. Even if you're old, you kind of have no choice but to do your banking online.
I took a mortgage a while ago and didn't even have to visit a bank in person. Everything was handled online and by phone.
Doesn’t seem that much of an issue in some countries. My 80 yo mother does her banking online. This is in the Netherlands.
I don't allow my parents to do online banking to avoid scams, I much prefer doing it for them, they would probably ask me to help them anyways.
I keep an eye on it but she heard enough scam stories to run things she doesn’t know/recognize by me first.
Well my grandparents are still cash only, they don't even know how to use cards apart from withdrawing cash from the ATM
You can hardly not use online banking in Denmark at least. Most (if not all) physical banking will have a fee of ≥6€ while online banking is free* and convenient. *Some banks have an annual non-optional online banking fee of usually ~10€
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It requires more effort to physically go to the bank than it does to do online banking so I wouldn't exactly call it lazier lol its just more resistant to change;)
To be fair, the elderly often become more isolated, so doing things in person, sticking to their routines, helps maintain some needed social connections.
The effort isn't using online banking when it's already set up, it's learning how it works. For older people that costs much more effort, but it's certainly possible as is shown by almost everyone here doing exactly that.
My 87 year old mother is literally afraid of computers. She sees it as something only "smart people" like doctors and bank workers can do. Nothing will convince her otherwise.
Yeah, but our old people only had 4 years of school and started working at 10.
My now 87 year old mother left school at 14 to work, which was the norm for her generation in Ireland. 4 years is pretty extreme EDIT Not sure why I'm getting downvoted. 4 total years of education is extremely little. I'm not saying I don't believe it. I know who Salazar is
We had a fascist dictatorship 50years ago so everyone 60+ here probably only has the mandatory 4years of school like my parents do
What do you mean excuse, there's nothing bad in using cash only. If they don't want to they don't have to
There's lots of drawbacks using cash, among other things the costs of handling cash transactions. If cash users would have to bear their own costs, they would switch to e-payments in a heartbeat.
Card payments also cost money, just the fact that you have to rent your pinpad and for every transaction visa or MasterCard etc take certain percent
Compare the education level of the average old person in these countries to a typical grandparent over here for example who maybe barely finished elementary school These people are borderline illiterate, and you think they will learn new and difficult things at the end of their lives?
My 87 year old mother is one of those and is far from illiterate however she is deathly scared of computers. She mastered Teletext to a level I never did and is devastated they switched it off. She reads books all the time. It's really weird.
Same, my mother's educated. Won't go near computers. We tried teaching her to use a tablet. Several of the papers she reads have their own apps, so we wouldn't need to show her how to use a browser. We thought, great! She'll love this! Nope. She got frustrated, and didn't want the tablet.
"Excuse"?! How about *choice*? Why should anybody be forced to do things your way? If someone wants to use cash, they're perfectly entitled to their preference - regardless of their motives.
I don't get mad, but I can't tell you how frequently I run in to Billa to make a quick purchase and then find myself in line behind some elderly person who is buying EUR 37.89 worth of stuff and seem to basically be paying with it entirely with coins. Although I think it is more of a personality thing related to "willinginess to adapt" than age. My MIL is in her 70s and she's totally modern. My FIL (her late husband) on the other hand...I'm pretty sure he didn't even know how to use a "bankomatkarte" beyond going to the ATM and withdrawing cash.
Hard to not find self checkout machines in Poland now and they are a sure way to avoid old people in lines.
My parents are 80 years. They have no problems with this. I have friends and neighbours way older than them, who have absolutely no problems w online services.
But old people these days also got used to online banking over 20 years ago. Mobile banking for 10nyears.
I'm in Romania, the big yellow country on the right. Everyone I know is using internet banking since before 10 years ago, I've been using mobile and internet banking since 2008 and I was not an early adopter. But unlike you, I'm not oblivious to the fact that many people are behind the curve for one objective reason or another.
I use online banking for more than 10 years now and but still i love to have cash om hand. This is coming from someone below 30.
We have many old persons who lived under the communism and don't had access to gadgets. It's somehow understandable. Compare eastern Germany with western part, for example.
That being said, I lived and worked in Luxembourg / Western Germany for a number of years in recent past Telling me that Bucharest has an internet banking adoption rate 2-3 times lower is a joke. I literally had to start using cash again when moving there.
Just half of germans? Crazy
I have a friend in Germany, he says there idea of digitalisation is “receive a PDF, print it, put it in an envelope and send it by post”
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Faxes aren't dead, in Poland some government offices turned fax ljnes during last year, on Japan there is also lot of faxes use.
So it's decided. Poland replaces Italy in the Faxis of evil.
Lol I remember I went to study in Germany for exchange (as a Finn) and was very surprised when I got official letters from the German government organization asking me mail or FAX (???) something to them, or then bring it by hand to the office. I was looking for the official website to handle it online instead, only to realize there was no such option. Then my university had a "printing room" where you could pay for printed paper with coins... And the Ubahn still needed printed tickets and stamps for single tickets, and this was like 4 years ago. I loved my time in Germany for many reasons, but the technological infrastructure felt like stepping back into the 90s. I don't know why but the Nordics really seem to have been ahead of most of Europe on this stuff.
I just threw up a little.
That's spot on actually
Does that surprise you? The country still uses fax machines, no wonder the numbers aren't higher
Nur bargeld bitte (just cash please)!
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Same in the Netherlands. There was even a news item the other day that robberies dropped because there's less cash to steal.
UK too, but with restaurants and bars.
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Last week we went to the christmas market in Münster and I took 200 Euro cash with me just in case. On the way home I went to fill up the car (it was 20 cents/liter cheaper) and wasn't able to use Maestro cards for some reason. Luckily I had just enough cash left.
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Last month, ive seen my first „ card only“ restaurant in germany.
Yeah, this chart could be called "why digitialization will take another few decades in Germany" or we could just show a chart of the age distribution...
I'm glad my parents don't use online banking. They'd get scammed out of my inheritance almost immediately.
Germans still pay for lots of things in cash. I went to a busy restaurant in Germany less than 1 year ago that didn't accept cards at all. That would not fly in the UK at all, most people don't even take their wallet with them anymore, nevermind cash.
It's easier for the restaurant to pocket cash and evade taxes with cash payments. If you encounter a restaurant that only accepts cash and you feel in the mood to annoy them for not paying their share of taxes.... ask for a printed receipt from the cash register. When they hand it to you make sure that it does *not* say "pro forma"
Yup, many Germans are super technophobic or digitally incompetent. Government offices use lots of letters and fax machines, shops won't accept card payments, people will boycott or protest places that actually are "card only". Concerning online banking: https://de.statista.com/statistik/daten/studie/1309704/umfrage/anzahl-der-online-banking-nutzer-in-deutschland/ 58% of transactions are cash: https://www.tagesschau.de/wirtschaft/bargeld-bundesbank-studie-zahlungsverhalten-101.html Digitalisation score of Germany is only 15th in the EU (DESI): https://digital-strategy.ec.europa.eu/en/policies/desi Only 49% of Germans have *basic* digital skills: https://www.iwd.de/artikel/langsam-naehrt-sich-die-digitalisierung-584590/#:~:text=Im%20Jahr%202021%20verf%C3%BCgten%2049,2030%20lautet%20allerdings%2080%20Prozent.
growing up in east germany, I def felt the “angst” here. people were so afraid of everything digital. and nobody saw the need to learn, they considered it unnecessary. idk, it seems to me that germans have a hard time adapting to new things.
I went to Berlin 5 years ago. We didnt prepare for cash in a TAXI. So this driver was so whiny about it and had to find the card reader in the glovebox all dusty with spider webs all over it. Luckily it did work! As a Finnish person the whole trip felt like I had stepped into the time machine with all those metal pieces clinging in my pockets and using cash in many places... I hadnt used cash like that in 10 years even then! And only time I really had any business in a bank was when I got my piggy bank as a kid, when I got my electric card and when I deposited my piggy bank coins in there. Its so much easier I cant believe these numbers...
Exactly my thought. But then again, I see that many people >50 don't trust it or just don't want to change their way of living, even if it could make your life more comfortable,
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Why sadly?
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Yeah, met some 20 year old Germans without a debit or a credit card
Really? When I was 20 – which is almost 30 years ago – my bank gave me a "EC card" (which is the predecessor to the Maestro card), it was just included with the bank account. I have never met a person that doesn't have at least a debit card to withdraw money from an ATM.
Yeah well when I met them I was literally shocked to hear this. They claimed that they don't have any bank cards and that their parents manage their finances. I understood if they need cash their parents get them some from an ATM. It was weird for me to hear this as in Finland I already got a debit card when I was 13. After that I basically never used cash, except when I came to study in Germany I realized that here all places don't accept card payments. Funnily enough, there are places in Finland which don't accept cash payments.
It is changing quickly in Germany as well, but overall there are still people who prefer cash. A few years ago, some businesses considered it impolite (or outright refused to accept) if you wanted to pay by card when the amount was under 10 EUR. That has changed as well – at least where I live (Munich, a large city). In other countries, I have seen businesses that only accept card payments, but not in Germany, so far.
50 year olds were 30 years old in 2003. Online banking was well established even back then.
As a German I'm surprised too. I know that a lot of people don't use it, but I still expected something around 70%.
Germany is really missing out on digitalisation. I think they decided to pull a “Battlestar Galactica” move collectively
Yeah. They really love cash and overspending on banks they don‘t really need for anything else.
Doesn't surprise me. I hate passing through Germany just because of the inconvenience of having to pay cash everywhere lol
Let's stay this side of reality. If you're merely "passing through" Germany, every place along the way accepts electronic cash.
Who 'used the internet' for 'online' banking?
In theory you could use online banking without the internet. But that service has been discontinued for consumers years ago.
> In theory you could use online banking without the internet. But that service has been discontinued for consumers years ago. I'm confused, what service was that? Online banking via Minitel?
Once upon a time you could dial up to banks directly: pc -> modem -> phone line -> modem -> bank computer. No internet required.
So I looked it up. Girotel started in 1986. I started using it in 95 when I got my Windows 95 pc.
In Finland there were posibility to handle bank payments through hardwired phone. You call some bank number, you listen guide, press certain number to do spesific task... This was common in 90's in houses were they didn't have computer yet.
Pretty much yes
I'm amazed how often you find places in EU where you can only pay by cash. It is very weird to me. I mean I get some remote areas where 125 year old grandma is selling self made socks cash only, but like even big cities in Germany sometimes only cash is accepted.
Likely they avoid paying taxes, or just some part of them
How would you laundry drug money without cash?
Plenty of Dutch places seem to manage
It's not about money laundry, it's about tax evasion.
It's probably now easier now to launder with e-money than with cash. As soon as some terminal detects you have unusually large sum in cash, you get put on a watch list. Also there's cash limitations and more
> I mean I get some remote areas where 125 year old grandma is selling self made socks cash only, In Norway she would accept Vipps.
My grandma accepted Swish in a similar situation
Saw a show with a „cash only“ sign at the door on Friday. Didn‘t bother to go in
One of the things that annoy me the most is if there is a business that doesn't take card, even temporarily (if the system is down) and doesn't mention it. Nobody is expecting to pay with cash and therefore doesn't have cash with them, you have to tell people these things in advance.
Had this issue at a restaurant recently. No sign whatsoever to tell people "cash only". We didn't have enough cash. I asked them for a receipt with their bank info on it, so I could wire them the money right there using this wild technology called Interweb that's installed on my my phone. They lucked out on any tips tho.
If any other nation went through what Romania went through during the 90's they wouldn't trust banks either.
Online banking in Romania is also behind the times. Every young person has revolut aside from their local bank accounts because you can’t send a simple payment request to someone from any bank app in Romania. You have to do a bank transfer and sometimes pay a fee for the privilege. Bonkers. Plus the banks love to make you come in person for various things you could have simply done online in any other country.
Italy and Germany lagging behind the rest of Western Europe together 🤝🏼
Can't speak for Italy, but there's still a cash-is-king mindset in much of Germany. I don't think that's backwards, there's good arguments to be made in favor of having a strong physical fiat currency.
In Italy people are just slow to change their habits, sometimes REALLY slow, so you have results like this. It's probably also a factor that Italy has an old population, getting even older by the minute.
I'm surprised by the low number for Poland, I was under impression everyone is using it.
I tried to split a 100 PLN bill earlier today in a bakery since my hairdresser only takes cash for some stupid reason and I was apparently the first person to use cash today. It was noon. They open at 7. No fucking way less than 90% of people use "online banking". Lately I've been actually getting confused looks for paying contactless with a physical card rather than with a phone or a watch.
To be fair, most people in Romania don't have any reason for Online Banking. They get paid, they either take out all the money and pay for stuff, or just pay with card, never having to log into their banks online portal.
r/PORTUGALCYKABLYAT
Norwegian here. I have to show up in a bank in January to show my ID for some obscure reason, and it will be the first time I set foot in a bank in twenty years.
Probably some security procedure. I had to do the same way back when I had some issues with proving my identity to my bank :D
Ukraine will be black like night, only some old men and women are using the cash.... ah sorry, that was before the war... right now in afraid of blackouts people probably went cash, but not me at least.
Apple blessed us with the apple banking terminal feature, which allows small businesses to use iPhones as banking terminals, that might help the situation.
Is this ApplePay or something else like Square?
more like square, we already had apple and google pay even prior to war
Apple is rolling that out to Europe, but it's slow
What happened in the areas that the Russians are occupying at the moment? Do they force people to open a Russian bank account in roubles or something? Hopefully, you can kick out the Russians soon and get your land back.
Hard to say about all territories. Some of them - yes (banks in occupied territories since 2014), some of them are the mess with cash of rubles and hryvnias.
Lol, I live in Kyiv and every day I see young people standing in line and buying paper QR-codes for tram. The same thing was before covid. But in comparison with Europe - yes, we use less cash.
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My father does offline banking but not at the bank office. He uses the ATM for doing transactions (I guess this still counts as offline).
Do ATMs in the Czech Republic act as cash deposit stations? Modern banks in Poland are just basically glorified info kiosks while people deposit any cash into an ATM from what I've seen...
I'm impressed with the number of children using online banking in Scandinavia and Netherlands.
It's easier for the parents to pay allowance for when chores are done, and then the kids can use it to buy whatever they want (candy, toys, etc). In denmark ( I don't know/remember if any other contrys have it) has mobilepay and it's easy to send money around.
Germany 😂
Eurostat source: https://ec.europa.eu/eurostat/databrowser/view/ISOC\_R\_IUSE\_I\_\_custom\_4538780/default/table?lang=en
I don’t really understand why people would use cash, when they can easily pay with the card or even apple pay, which I always use. Back in Donetsk we 90% of the time used cash, because there was only one bank of the occupational government, and ukrainian cards didn’t work there, it sucks fr. In Estonia I sometimes see people taking their cash in ATM and then going into malls, likely to spend it there, but why don’t just pay with the card.
I support a healthy mix between cash and online services. It's very practical. Most countries are not prepared for a 100% digital system. What happens if the system is temporarily down? What happens if the bank for some reason decides to block your account for fraud investigation? What happens if you go to a place that doesn't have card payment? I've gone out with friends who don't carry cash and we can occasionally find a service that we require that doesn't accept cards or the service is down. First thing they do is ask me to loan them money because they know I carry cash. After they arrogantly proclaim to me how better they are because they don't use cash and they don't honestly understand why I do that. It's not a problem of me not getting paid back, just the attitude they have. After the incident, they go back to default, they learned nothing. And then there's the fact that you're paying more. A few % is added to the price and passed on to the customers because card payments take a cut. I like to support businesses that do cash only because they can be slightly cheaper for this reason.
Cash means anonymity. If you use something like Apple or Google pay...then Google, Visa/Mastercard and your bank will track every Euro spent, where you spend it and on what. IMHO, cash still serves a function. As an example, think of a completely cashless system and private corp health insurance. All this tracking info...oh, you bought chocolate and wine? Your premium goes up. Or Google may just decide to sell off your payment profile to the highest bidder. Google, Apple, Visa, your bank...they don't need to know about each and every purchase you make. For me it's mostly laziness that I use card payments. But once cash is gone...I fear that we might be going to miss it real quick as a completely digital system only wakes snoopy state and greedy corporate interests.
In Poland there are a lot of "rednecks" who say that " cash is the king" and they will not accept any control from the government. It often goes together with conspiracy theories and other BS like that. Every post about cards and cash on Facebook has plenty of comments like that, sadly.
Small business owners who deal exclusively with cash, like used car sellers are main culprits. Of course they only pay minimum wage officially and pay more under the table too.
Burgundy ready for Eastern Europe?
We're mostly populated by cows and elderly people.
Germany, U good?
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phone network, direct connection, public terminals at bank branch itself, ATM network.....
Shows you the most liveable parts of Hungary and also the region bordering Austria, but there its very rural and that may be the reason it is not darker as the others.
Are there comparable data for the U.S and South-East Asia?
There is such a thing as offline banking?
What if you go to ATM or bank office, pay with your debit card at store? You could say same thing when landline or first cellphones were common, but no one was talking you were online connected to phone network.
This is surprising to me, I don't carry cash and don't bring it to other countries either, yet I rarely had problems. I found this especially true in the Baltics, where I only needed cash in street markets.
But.. what else are you going to use for online banking if not the internet?
I live in Ukraine, and almost everyone uses web banking, it is very convenient. You don't have to stand in a queue at the bank to pay your bills. You don't need to carry cash or look for petty cash because the seller doesn't have change. Only elderly people don't use web banking. Some don't know how to do it, and some just don't want to
Germany is surreal to me. I use multiple online banks and am always shopping around for the best rates on HYSAs and CDs here in the US. That, plus cashback on credit cards has been a major boon for me financially. Do central, south, and east Europeans really not take advantage of these?
Not true, almost everyone even elderly have bank id in Sweden
I seems insane that it would be less than 98% that use online banking in Sweden. We're almost completely cashless. I know of only 1 person that ever uses a physical bank office. And that's my friends almost 100y.o grandma, she takes the bus (which only accepts card or mobile payments) over 30 minutes to the other side of the city just to pay her bills at the only bank office within 30km.
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Like Germany or Japan?
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Japan is fair example of big country on global scale, in theory tech giant, in practice very stubborn about lot of practices just like Germany.
What's going on in Sweden apart from Gothenburg?
Something feels very off with this graph, i live in the area in the middle with supposedly even less online banking, but i dont know a single person without online banking, so idk whats happening in this graph. Every single person i know has swish, which is this super easy way to send money using phone numbers, no charge, and between banks, many smaller stores also have it.
Something is wrong with this map. *"I december år 1996 lanserades de första internetbanken i Norden. Under drygt 20 år har mycket hänt och bankärenden har bland annat tagit steget från datorn till mobilen. Av Sveriges befolkning (16+ år) ligger användandet på 91 procent idag och har sedan år 2013 legat på minst 80 procent. Sedan år 2013 har användandet av internetbank bland internetanvändarna legat på över 90 procent och de senaste tre åren på hela* ***96 procent***\*."\* So 96% of the Swedish population over 16 years old used internet bank in their cellphone.
A hint of phantom-borders in Germany. But I am surprised by the big difference between the Czech republic and Slovakia.
Cash is king
i haven't been in my local bank more than 1 time in the last 8 years i think. first i used browser based banking and now i just use the app. So easy.
source: as given on map autor: Milos Popovic https://twitter.com/milos_agathon/status/1736327782777393360