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The author comments on the paper "Cash, Paper, and Electronic Payments: A Cross-Country Analysis," by David B. Humphrey, Lawrence B. Pulley, and Jukka M. Vesala, published in the November 2, 1996 issue of "The Journal of Money, Credit and Banking." He states that the writers expand on the payments system framework to consider cross-country variation, but suggests that if countries are idiosyncratic with basic cultural factors causing differences in the payment systems rather than the countries being at different development stages, then cross-country comparisons can give misleading forecasts. He comments on differences between the U.S. and several European countries concerning noncash transactions.