Nepal’s payment system is gradually moving towards digitalization, but cash remains prevalent.

Nicaragua’s financial system is gradually modernizing, with a growing adoption of digital payments and mobile banking.

Malaysia boasts a sophisticated financial system with a strong emphasis on digital payments.

Latvia’s payment ecosystem reflects a technologically advanced and consumer-friendly environment, with a strong embrace of digital solutions.

Lithuania’s payment ecosystem is modern and technologically advanced, reflecting the country’s focus on innovation and digital solutions.

Luxembourg’s payment landscape reflects a modern and technologically advanced economy, with a growing embrace of digital solutions.

Malta’s payment landscape is evolving, with a growing focus on convenience and security.

Kyrgyzstan is seeing increased adoption of card payments and mobile banking.

Lebanon is experiencing a severe economic crisis, leading to a reliance on cash transactions and informal financial networks.

Lesotho’s payment landscape is a mix of traditional and digital methods, with a strong presence of debit cards. Cash is still widely used, but its usage is declining.

Liberia’s payment landscape is still in its early stages of development, with cash remaining the dominant payment method. However, the country is seeing a growing adoption of mobile money platforms and a gradual shift towards greater digitalization.

Liechtenstein’s payment landscape is evolving, with a growing focus on convenience and security.