I pay for almost everything I buy personally with my SCB app (Lazada and any other online vendors), and just about every little vendor on the street has QR codes, simple and fast. However my wife wants me to use her CC as much as possible for purchases at Makro, Big-C, and 7-11.....she wants the points. I barely ever use cash for anything anymore, in fact my daughter seems to use my cash more now, she needs it to resupply her school ID card for food/treats.