In my area (southeast asia) we use “scan and pay” from our banking app. Merchants will have a qr code printed for us to scan via our banking app.

they are trying to make the banking app into something like a wechat where you can do a bunch of stuff on it.

why can’t you use a credit card with an NFC chip in it?

for some reason I don’t like to take out my wallet, fiddle and try to take out the plastic and make payment.

I always worry about misplacing or dropping it. Paying / tapping is often a rushed interaction that happen in crowded place. Right now I bring 2 phones with me. My android daily driver phone and an iPhone. I installed all banking / payment apps on the iPhone. Even if i dropped or misplaced my iPhone, the tap and pay feature is still protected with a lock screen, which the credit card does not.

^ also i brought the iPhone because I rooted my android phone. I got tired fighting safety net every week to get the payment apps to work