We probably do about 20% throught standing orders / direct debit, 60% is cash, 19.5% debit card and 0.5% credit card (mainly Amazon / online travel booking etc.).
Store cards are still pretty rare, here in Germany. People just don't accept them, they are an invasion of privacy.
Going into debt is still considered shameful by many here. If you don't have the cash, you don't give the money out. If you have cash in your pocket, you know how much you can give out, using cards it is all to easy to lose the overview.
I haven't met anyone yet, who is the least interested in mobile payment solutions.