That said, northern EU is the place where people don't remember exactly how cash looks like since everything is paid either with card or using an app. But northern EU is population-wise a rather small market.

Exactly, but most of those I would think of as "debit", albeit electronically. (RFID bank card, apple pay -- all do not route to a line of credit in Europe but to debit/checking accounts).

The chart said percentage of transactions