But there are also some digitally developed countries among our list of slow and moderate adopters, including the UK, Germany, France, Finland and Australia. There are unique reasons for why each has lagged, such as limits on contactless spending in France, but there are also some common threads. Contactless Cards.
Born and raised in Finland, Andreas joined Smartly.io as employee No. 35 in Helsinki, after working for a decade in finance. Andreas then moved with Smartly.io to San Francisco to work with the world’s leading brands. He now resides in New York City, and when not working, likes to explore the city's best places for skateboarding.