I do see ppl that fed up with eWallet, don’t use eWallet anymore. Personally, I hate using them but I have no choice if they don’t accept CC. Why?
1) unlock phone
2) find the app
3) every app diff layout - find the scan or QR button
4) if no money? Need to reload, extra steps.
5) show QR or scan QR (this one wahhh I see most ppl [certain group of ppl la yeah] DIE DIE want to put QR in the screen’s shown box or DIE DIE wan to twist and turn the QR/phone so it’s “readable”)
6) tap amount in
7) promo code n vouchers
8) pay. Some require pulak pin or bio auth.
9) wait… see ur wifi or data strong or not lo
10) paid or error.

Bloody hell so many steps for 1 payment. Yes, I know we can cut down steps 1-4/5 by opening up the app first but it still takes farking long time to just do 1 simple transaction. Let’s not say AP. Normal CC or DC would only go like this:
1) take card out
2) wave or pin
3) if pin, enter ur pin lo
4) wait…
5) paid or error.

See? So much easier. Now see AP and SP.
1) take phone out
2) biometric or pin
3) wave
4) if more, enter pin on terminal
5) wait
6) paid or error.

Extra 1 step only but there’s higher chance the phone is already in ur hands. Better yet, AW is already on ur wrist.

Will ppl chg habit? Points n rewards chasers wont leave certain eWallets cos they offer better rewards. But mostly, general Apple users are more “savvy” and wanna show “ada gaya” so, yes to ur question and I’ll be one of them.

I do see ppl that fed up with eWallet, don’t use eWallet anymore. Personally, I hate using them but I have no choice if they don’t accept CC. Why?
1) unlock phone
2) find the app
3) every app diff layout - find the scan or QR button
4) if no money? Need to reload, extra steps.
5) show QR or scan QR (this one wahhh I see most ppl [certain group of ppl la yeah] DIE DIE want to put QR in the screen’s shown box or DIE DIE wan to twist and turn the QR/phone so it’s “readable”)
6) tap amount in
7) promo code n vouchers
8) pay. Some require pulak pin or bio auth.
9) wait… see ur wifi or data strong or not lo
10) paid or error.

Bloody hell so many steps for 1 payment. Yes, I know we can cut down steps 1-4/5 by opening up the app first but it still takes farking long time to just do 1 simple transaction. Let’s not say AP. Normal CC or DC would only go like this:
1) take card out
2) wave or pin
3) if pin, enter ur pin lo
4) wait…
5) paid or error.

See? So much easier. Now see AP and SP.
1) take phone out
2) biometric or pin
3) wave
4) if more, enter pin on terminal
5) wait
6) paid or error.

Extra 1 step only but there’s higher chance the phone is already in ur hands. Better yet, AW is already on ur wrist.

Will ppl chg habit? Points n rewards chasers wont leave certain eWallets cos they offer better rewards. But mostly, general Apple users are more “savvy” and wanna show “ada gaya” so, yes to ur question and I’ll be one of them.

never liked ewallet to begin with. too many stupid shit within them in an attempt to monopolize the industry. too many of them starting up their own ewallet in an attempt to take the most profit for themselves. if all band together and use one common ewallet like china then not so bad. but this is just ridiculous. AP has so many more advantages that i would prefer to use it as well.

I do see ppl that fed up with eWallet, don’t use eWallet anymore. Personally, I hate using them but I have no choice if they don’t accept CC. Why?
1) unlock phone
2) find the app
3) every app diff layout - find the scan or QR button
4) if no money? Need to reload, extra steps.
5) show QR or scan QR (this one wahhh I see most ppl [certain group of ppl la yeah] DIE DIE want to put QR in the screen’s shown box or DIE DIE wan to twist and turn the QR/phone so it’s “readable”)
6) tap amount in
7) promo code n vouchers
8) pay. Some require pulak pin or bio auth.
9) wait… see ur wifi or data strong or not lo
10) paid or error.

Bloody hell so many steps for 1 payment. Yes, I know we can cut down steps 1-4/5 by opening up the app first but it still takes farking long time to just do 1 simple transaction. Let’s not say AP. Normal CC or DC would only go like this:
1) take card out
2) wave or pin
3) if pin, enter ur pin lo
4) wait…
5) paid or error.

See? So much easier. Now see AP and SP.
1) take phone out
2) biometric or pin
3) wave
4) if more, enter pin on terminal
5) wait
6) paid or error.

Extra 1 step only but there’s higher chance the phone is already in ur hands. Better yet, AW is already on ur wrist.

Will ppl chg habit? Points n rewards chasers wont leave certain eWallets cos they offer better rewards. But mostly, general Apple users are more “savvy” and wanna show “ada gaya” so, yes to ur question and I’ll be one of them.

many eWallet good, but the screwed up part is that they limit like G brand eWallet limits you to only able to earn points if you scan their DuitNow QR. Like wtf. The standardization that we should be having is, all DNQR and BENEFITS ARE STILL GIVEN REGARDLESS OF WHOSE DNQR IS THAT. At last now I see some shops have multiple DNQR there, u know, for the purpose of letting users scan whichever DNQR they like.

many eWallet good, but the screwed up part is that they limit like G brand eWallet limits you to only able to earn points if you scan their DuitNow QR. Like wtf. The standardization that we should be having is, all DNQR and BENEFITS ARE STILL GIVEN REGARDLESS OF WHOSE DNQR IS THAT. At last now I see some shops have multiple DNQR there, u know, for the purpose of letting users scan whichever DNQR they like.

never liked ewallet to begin with. too many stupid shit within them in an attempt to monopolize the industry. too many of them starting up their own ewallet in an attempt to take the most profit for themselves. if all band together and use one common ewallet like china then not so bad. but this is just ridiculous. AP has so many more advantages that i would prefer to use it as well.

I do see ppl that fed up with eWallet, don’t use eWallet anymore. Personally, I hate using them but I have no choice if they don’t accept CC. Why?
1) unlock phone
2) find the app
3) every app diff layout - find the scan or QR button
4) if no money? Need to reload, extra steps.
5) show QR or scan QR (this one wahhh I see most ppl [certain group of ppl la yeah] DIE DIE want to put QR in the screen’s shown box or DIE DIE wan to twist and turn the QR/phone so it’s “readable”)
6) tap amount in
7) promo code n vouchers
8) pay. Some require pulak pin or bio auth.
9) wait… see ur wifi or data strong or not lo
10) paid or error.

Bloody hell so many steps for 1 payment. Yes, I know we can cut down steps 1-4/5 by opening up the app first but it still takes farking long time to just do 1 simple transaction. Let’s not say AP. Normal CC or DC would only go like this:
1) take card out
2) wave or pin
3) if pin, enter ur pin lo
4) wait…
5) paid or error.

See? So much easier. Now see AP and SP.
1) take phone out
2) biometric or pin
3) wave
4) if more, enter pin on terminal
5) wait
6) paid or error.

Extra 1 step only but there’s higher chance the phone is already in ur hands. Better yet, AW is already on ur wrist.

Will ppl chg habit? Points n rewards chasers wont leave certain eWallets cos they offer better rewards. But mostly, general Apple users are more “savvy” and wanna show “ada gaya” so, yes to ur question and I’ll be one of them.

Bloody hell so many steps for 1 payment. Yes, I know we can cut down steps 1-4/5 by opening up the app first but it still takes farking long time to just do 1 simple transaction. Let’s not say AP. Normal CC or DC would only go like this:
1) take card out
2) wave or pin
3) if pin, enter ur pin lo
4) wait…
5) paid or error.

See? So much easier. Now see AP and SP.
1) take phone out
2) biometric or pin
3) wave
4) if more, enter pin on terminal
5) wait
6) paid or error.

Extra 1 step only but there’s higher chance the phone is already in ur hands. Better yet, AW is already on ur wrist.

Will ppl chg habit? Points n rewards chasers wont leave certain eWallets cos they offer better rewards. But mostly, general Apple users are more “savvy” and wanna show “ada gaya” so, yes to ur question and I’ll be one of them.

Using cards also mean you have to bring more cards out.
Nowadays i just bring NRIC , Car license and 1 CC (Public bank quantum visa most of the time) basically just in case
Others i'm just load into samsung pay (if got apple pay then yea) together with bonuslink and watson member.

One downside probably is mobile connection in the shop is weak then 

Using cards also mean you have to bring more cards out.
Nowadays i just bring NRIC , Car license and 1 CC (Public bank quantum visa most of the time) basically just in case
Others i'm just load into samsung pay (if got apple pay then yea) together with bonuslink and watson member.

One downside probably is mobile connection in the shop is weak then 

i dont think  Pay requires a mobile connection to work.
Your credit card information is stored in the secure element of your device (watch / iPhone).
If the merchant's terminal is using a landline (or if they are using a different cellular provider that has good reception in that area) they would still be able to process the transaction w/o problem.

Thats the beauty of NFC payment VS eWallet which requires good cellular reception.

Bro, since a lot of establishments are not utilising Apple Wallet; you can save your membership card using apps like Pass2U and MakePass. Personally I used both before but prefer MakePass; Pass2U has a free & paid version while MakePass is paid. However I would recommend paying for MakePass for the excellent UI & UX.
Pass2U - https://apps.apple.com/my/app/pass2u-wallet...ns/id1142473931
MakePass - https://apps.apple.com/my/app/makepass-barc...et/id1450989464
I have used MakePass to make passes like spare Vaccination cards, Bank DuitNow QR codes, membership cards and etc.

i use pass2u to make my membership cards like familymart / uniqlo but usually when i show it to the cashier they will always double take and ask me what is it and i have to tell them to collect points then only they scan it. sometimes they insist on not scanning it coz they dont know what is it then no choice i'll just open their brand app to scan instead.

but duitnow qr code can save? doesnt that changes dynamically or something?

i use pass2u to make my membership cards like familymart / uniqlo but usually when i show it to the cashier they will always double take and ask me what is it and i have to tell them to collect points then only they scan it. sometimes they insist on not scanning it coz they dont know what is it then no choice i'll just open their brand app to scan instead.

but duitnow qr code can save? doesnt that changes dynamically or something?

That’s call staff ignorance to scan QR/Bar codes. I don’t believe upon scanning of QR/Bar codes will lead their POS to getting whatever “hack” they had in their mind. When this happens, I die die will tell them “boleh one. Scan je. Ni barcode/QR kedai u” and when they scan already and pass, surprise pikachu face and I’m just there like Khaby Lame. Zzz

Haiya, you have to remember we are tech savvy and proactively read about technological advancements. They don’t know any better. They don’t understand the difference between static and dynamic QR codes.

Dont even bother asking them if they know the difference of DNQR vs normal QR. I can tell you that those ignorant ones are gonna say "ada apa kesah dgn saya?" or they will say "satu XXeWallet satu pink kaler je".

This specific experience with stupid cashiers like this kills it for me. One time the cashier forced me to show my Maybank QR for him to scan because that's the Maybank way and the DuitNow QR that I just scan before he was angry was for BoostPay ONLY. FML like whats the use of DuitNow QR InterBank function if we have all this stupid cashiers.

Fortunately, the cafe/kedai runcit in my college right now all pandai cashiers, only use one DuitNow Qr and just accept every E-wallet