Low digitalization isn't just payment - it's also needing to fill in paper forms, or making in-person visits to government and business offices.
I've been living in Germany for about a decade, and it is still behind in many of these items from when I left the US, and having a friend that recently moved from Germany to NL, he was blown away at how convenient and just not-hostile so many day to day interactions with governments and businesses were.
Like - big picture, I'm very happy in Germany, but certain things are still very archaic and sometimes needlessly so.
I've been living in Germany for about a decade, and it is still behind in many of these items from when I left the US, and having a friend that recently moved from Germany to NL, he was blown away at how convenient and just not-hostile so many day to day interactions with governments and businesses were.
Like - big picture, I'm very happy in Germany, but certain things are still very archaic and sometimes needlessly so.