[neivin]

The likelihood of QR payments taking off in North America is slim. People love credit cards. They offer way too much.

This model worked in China because people went from using cash to mobile.

We've been using credit cards forever and there's literally no incentive for me to use an app like Venmo/Square Cash over my Chase credit card which gives me points/miles

[password03]

It is simple as this and I have seen the research.

The west loves tapping and the east loves scanning (AliPay / WePay)