In 2016 Swedes made more cashless payments per person than in any other country.
"This is the result of a trend which we've seen for a long time in Sweden. We Swedes are tech savvy and today we can buy more or less anything using card or a phone. What's more, we have a central bank that talks about e-currency,"
#1: That is very true. There is research that shows that even in-store ads for credit cards makes people spend more. Cash is what you should use if you want to spend less. Robert B. Cialdini wrote a book called Influence. It describes this and many other interesting examples of how we are manipulated to do what companies want us to do.