But still technical anonymity sounds like a weak justification for technical obsolescence. For cash, credit card systems on retail don't even get your name... I think it could be arranged online even with traditional systems. Specially if it was a national demand, this is the kind of thing you can force companies to do with laws (or they would develop themselves).

I think a more obvious explanation would be related to their insularity -- they are probably the least integrated developed country (due to geographical, linguistic and cultural reasons). Some of those technologies by themselves aren't really that significant for personal productivity (I think that can be another factor), but combined they make a big difference I think.