[jamesmunns]

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.

[shellfishgene]

I agree, just look at the recent (well, decade-long?) attempt to digitalize the car registration process, which can only be called a total desaster.