Germany is still rummaging around. The youngsters when they get a kebab at the snack bar, the couple who buy vegetables at the weekly market, or the grandma who fishes a euro out of her wallet and throws it into a tin can to light a candle in the church. They all still pay the small amounts in cash – sometimes not voluntarily, however. But because there is still no alternative to it. Other countries are already further along. In Norway, for example, people have long pulled out cards for all of these processes. Will these Scandinavian conditions ever prevail in Germany? Financial psychologist Monika Müller is pretty sure of that. “Definitely yes! Maybe we can reach them with the children who have just been born.” You would eventually grow up paying by card or smartphone.