Comment by palata
6 days ago
> I wish banks would do something and support NFC payment systems that don't require the device to be controlled by Google
There are countries where it's possible to pay everywhere with the banking app scanning a QR code. No need for NFC :-).
The point of NFC-on-a-phone is that you don't need the damn banking apps and internet and retailer support for all that to validate a simple transaction. My credit card has NFC, no internet and no app, and it's universal.
> you don't need the damn banking apps
You need the Google/Apple app though, don't you? Or can you write your own personal app that will handle that?
There are several banks, especially over here in Europe, that have their own implementations of contactless payments, if that's what you mean. Here's a German article outlining this and mentioning a few examples: https://www.kuketz-blog.de/nfc-datenschutzfreundlich-bezahle...
I use qr based payments regularly where I live, and in my home country I use nfc payments (watch/phone/card) essentially always, when we visit.
NFC is by far more convenient and reliable.
I can't say about "convenient" because I don't use it, but I have been using QR codes for years and I haven't had a single issue. I don't know anyone who has.
QR codes are reliable.
You need an active internet connection to pay via QR.
NFC (EMV) works offline.
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It's regularly unreliable here, because it's reliant on a bank app which in turn is reliant on an internet connection, and banks here are kind of shit.
It's pretty common here that people will be told they need to turn off an otherwise working Wifi connection when facing problems because bank apps will often just not work properly on wifi.
But as I said, even without that, the convenience level is ridiculously different. It's arguably quicker to open your wallet and use a debit card with an NFC chip than it is to use QR codes, before we even talk about the convenience of watch/phone payments using NFC.
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