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9. Germany

  • Noncash payments' share of total value of consumer payments: 76 percent
  • Percent of population with a debit card: 88 percent

Munich's Oktoberfest, long known for dirndls, lederhosen and tipsy American tourists gaping at the people wearing them, has become a more expensive proposition in recent years: A liter of beer ran revelers around 10 Euros this fall.

A minor consolation may be that partyers don't have to carry loads of cash to pay for their inevitable binges: Starting in 2012, merchants needed only an iPhone and an EMV chip reader (which is plugged into the phone) to accept credit or debit card payments, using technology from the Munich-based company payworks.

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