Sep 21 2020, 04:15 PM
QUOTE(encikbuta @ Sep 7 2020, 09:38 PM)
i really did try my very best to favor e-wallets in my payments. during the introduction phase when e-wallets were handing out discounts left & right, it was worth the hassle to do so. keyword here is 'hassle'.
With CC, I just take out my Visa and wave, transaction completed in less than 5 seconds. With E-Wallet, it's a 5 minute ordeal that goes something like this:
Me: You accept TnG?
Merchant: Yes.
Me: Ok, wait ya I find my app in my phone.
Me: Found it! Wait ya for my app to load.
Me: Ok loaded. Eh, how much again?
Merchant: RM45.90
Me: Oops not enuf balance, wait ah I top up.
Me: Ok done. Eh I scan or you scan?
Merchant: You scan.
Me: Ok, wa so many QR codes on display, scan which one?
Merchant: *points to the TnG QR Code*
Me: Ok. *Tries for a while* Eh why my phone cannot scan wan.
Merchant: You try put the phone further a bit.
Me: Ok can already. Eh why the merchant name different from your shop? *shows phone to merchant*
Merchant: Yea that is correct.
Me: Ok. Aya, how much again?
Merchant: RM45.90.
Me: Ok can scan already. Wait ah, screen loading.
Me: Ok can already. *shows phone to merchant*
Merchant: Ok thank you.
So yea, e-wallet still has a long way to go before it beats CC in terms of convenience. Besides that, I don't like the 'trap' of having balances in my e-wallet. It kinda encourages over-spending, no? "Aiya I still got RM9.50 in my wallet, alang alang we go buy Tealive la to finish up the balance."
it depends on individual & merchant you encounter... in most of my cases ->With CC, I just take out my Visa and wave, transaction completed in less than 5 seconds. With E-Wallet, it's a 5 minute ordeal that goes something like this:
Me: You accept TnG?
Merchant: Yes.
Me: Ok, wait ya I find my app in my phone.
Me: Found it! Wait ya for my app to load.
Me: Ok loaded. Eh, how much again?
Merchant: RM45.90
Me: Oops not enuf balance, wait ah I top up.
Me: Ok done. Eh I scan or you scan?
Merchant: You scan.
Me: Ok, wa so many QR codes on display, scan which one?
Merchant: *points to the TnG QR Code*
Me: Ok. *Tries for a while* Eh why my phone cannot scan wan.
Merchant: You try put the phone further a bit.
Me: Ok can already. Eh why the merchant name different from your shop? *shows phone to merchant*
Merchant: Yea that is correct.
Me: Ok. Aya, how much again?
Merchant: RM45.90.
Me: Ok can scan already. Wait ah, screen loading.
Me: Ok can already. *shows phone to merchant*
Merchant: Ok thank you.
So yea, e-wallet still has a long way to go before it beats CC in terms of convenience. Besides that, I don't like the 'trap' of having balances in my e-wallet. It kinda encourages over-spending, no? "Aiya I still got RM9.50 in my wallet, alang alang we go buy Tealive la to finish up the balance."
small merchant - i scan them - less than 5 seconds
me: *pre-scan the code when i'm queuing or reach the counter...
Merchant: RM9.90
me: *key in 9.90* Done! *show them my screen and walk away*
big merchant - they scan me - less than 10 seconds
me: *opening the app*
Merchant: RM9.90
me: grabpay/boost/tng, then show them my QR code
Merchant: okay... take their terminal and scan.. Done
e-wallet has better control on how you spend and how much you spend... for example i reload RM600 into wallet first in using CC and earn 5% cc cashback to the max... then using it daily and i know how much balance i have for the monthly spending... versus paywave, which i can spend alot up to credit card limit without knowing how much i spend (the fastest posting date may be 1-2 days, vs ewallet is instant posting)
the conclusion is if you want fast, reload your wallet first (earn the 5% cashback from CC, eg PBB quantum card 5% for online transactions by loading ewallet , then you can use in any transaction via e-wallet)
using credit card paywave will only entitle you cc cashback, while using ewallet entitle you cc + ewallet cashback + instant expense tracking history.... and to me the payment time are more or less the same...
and lastly,you cannot use paywave/ credit card for saving/investment, but with e-wallet you can... eg: CC -> Boost -> SSPN-i or Opus Touch... which earn you 5% from cc + Boost coins, in front of any future investment return...
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