[wonderlg]

I think they’d need some hardware to verify that the transaction happened. A small business owner can use their own phone, but other businesses need a smartphone per point of sale, which might be more expensive than a card reader (that one likely has to have anyway)

[kalleboo]

You can use a phone (or whatever) to verify the transaction, but in practice I've never seen anyone do that. It probably helps that crime is pretty low in this part of Asia.