def will not do well in malaysia and will be exclusive

I am not advocating anything but I was going to say t&g shoppe pay grab is currently v strong in Klang valley. Elsewhere so far I got see in town similar pattern.

google pay existed so long but govt will never give stimulus as it did to local wallets (part of it is to save money printing, combat money laundering, catch tax evasion).

I don't think google or apple will open their books to the government also.