Where is the disruption in money transfer?

I’ve just returned from a one week stay in one of my favorite cities, Berlin. Germany is a country that offers so much in history, food and experiences but in other aspects it is business as usual.
Let me explain where I’m going…

In Sweden these days less and less people are actually using physical money and we’re even moving away from using credit cards with services like digital wallet with my favorite app Swish as the fastest rising star in payment directly via your mobile. I’ve visited quite some cities in USA and I’ve always had to have cash in my pocket because not every cab or shop accepts credit cards. It feels a bit strange when I seldom have any cash at all in Sweden because even the smallest football club have their own Swish account I can send money to when purchasing coffee or such.

For some strange reason I thought that a country as Germany with the huge mass of IT savvy companies as within their car industry would have taken a larger step into the cash less society, but on the contrary, cash is needed almost everywhere.

So, where am I going with this rant? Well, I’ve been writing about disruption and change lately and it would be really interesting to see statistics on more areas than computers and automobiles (the big topics here on LinkedIn). How are things moving worldwide when it comes to money transfers?

Are we here in Sweden ahead of time or are there other countries that have gotten even further in adapting new ways of money transfer? I’m curious…