Gregory's Server@atomicpoet During the pandemic here in San Francisco and probably many cities, the dining spaces set up along streets outside used QR codes a lot to eliminate physical menus. It is not clear if that will continue. I have not seen a QR code being used this way in a long while now. It was often thrown together hastily so it was not a great experience. Perhaps in Malaysia they really committed to it and refined it. I’d like touches pads (NFC) to replace QR codes so you can just hold your phone close and have it launch the app for website.
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 @cendawanita @brennansv Where I live, the trend is more towards NFC payments, especially via Apple Wallet or Google Pay. Which also works here in Malaysia—but people are surprised that it works. @atomicpoet @cendawanita @brennansv What I feel Malaysia has over Canada is more options for prepaid services, which is fantastic.  @atomicpoet @atomicpoet @cendawanita Sometimes countries like US and Canada are able to adopt new technologies early with a lot of investment then other countries get the tech later after it is refined and costs have come down. In a way they get to skip all the rouge edges and spend less to get the same stuff. @atomicpoet @cendawanita We have Clipper for public transit here which is a touches system but people still press their cards against the surface all the time. I have my Clipper card set up with my Apple Watch and I just bring it close enough to make that noise. It’s so convenient. @cendawanita @brennansv In Canada, there’s a service called Interac. It behaves like a credit card, and even gives you a credit card number, but it debits your bank account. You can use Interac with Apple Wallet. However, it’s useless for traveling. @atomicpoet I use this a lot when travelling because it's an ewallet but the credit card is basically a debit card, and because it deducts from the wallet i have another layer of protection so it doesn't harm my actual savings. (And i can reload with my credit card balance) @cendawanita @brennansv Interac is kind of similar. Here’s more info: https://en.wikipedia.org/wiki/Interac?wprov=sfti1 @atomicpoet @atomicpoet @cendawanita I used travelers checks on one trip many years ago. These days I’d like to load up a digital wallet with whatever crypto is used at my destination and just use that. No exchange fees or conversions needed. I’ve gone to festivals where you can only get food and drinks using the tickets you buy from the organizers. It would be sort of like that, but a digital currency. I’ve read of this sort of system being created already but have never seen it in use.  @atomicpoet @cendawanita @brennansv Most banks in Europe give you a card that works both as a credit card and as the common debit & prepaid card standard (Bancomat). The credit side is also associated with your bank account, so it's usually covered automatically at the end of the month unless this would result in an overdraw. @atomicpoet @cendawanita @brennansv Apple Pay only entered here end of last year & is still limited to just a few banks (plus iPhones have never been that dominant here). Samsung Pay never really caught on. I think digital payment systems as a whole only really became commonplace during the pandemic. |
@brennansv
A significant part of this is the fact that a huge part of the world that's not North America (and okay, maybe Europe, but i need to check) really moved into digital financial services such as e-wallets. So there's the QR code practice to access weblinks, and this includes ordering food in-store (so paper menus are becoming rarer). But in finance/banking, central banks elsewhere seem to take their mandate seriously, or perhaps more fairly, american banking took different infra paths. In Malaysia's case, the e-wallets are many but the CB instructed for the creation of an interoperable bank transfer system (we already have one, but now optimized for e-wallets), and ... Well, the banks pretty much got on board. So as long as you have a bank account, you have a qr code. If my banking app is being a little shit, i use another ewallet.
(Cite: am Malaysian; am in financial inclusion in the global south)
@atomicpoet
@brennansv
A significant part of this is the fact that a huge part of the world that's not North America (and okay, maybe Europe, but i need to check) really moved into digital financial services such as e-wallets. So there's the QR code practice to access weblinks, and this includes ordering food in-store (so paper menus are becoming rarer). But in finance/banking, central banks elsewhere seem to take their mandate seriously, or perhaps more fairly, american banking took different infra paths. In...