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The demise of the village ATM.


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4 hours ago, n00dle said:

as for the language barrier, though i speak thai i have never had to do more then hold up my phone and say "scan"

Scan what ??... PrompPay or TrueWallet ???... there are different payment options... some shops have both, others have one or the other.

 

Sometimes you have to communicate which option is to be used - if the vendor is stupid, then it adds additional hassle rather than getting out cash.... (I prefer cashless, but understand pro’s and con’s with each system - this is one example). 

 

In the case of the ‘language barrier’... in both circumstances the Vendor was outrageously stupid.. it happens sometimes and when it does I quickly realise its not the quality of my Thai but the stupidity of the person I’m talking with.... (I have enough conversations in Thai to know my standard)... 

 

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18 minutes ago, richard_smith237 said:

Scan what ??... PrompPay or TrueWallet ???... there are different payment options... some shops have both, others have one or the other.

I always ask 'Sa-kan'

If they want Promptpay they usually reply 'PromptPay'

No real communication skills required.

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38 minutes ago, BritManToo said:
57 minutes ago, richard_smith237 said:

Scan what ??... PrompPay or TrueWallet ???... there are different payment options... some shops have both, others have one or the other.

I always ask 'Sa-kan'

If they want Promptpay they usually reply 'PromptPay'

No real communication skills required.

Agreed... the ‘communication skill’ is utterly minimal...  which is what makes the ‘idiot’ on the other side of the counter such an exceptional idiot !!!... 

 

Just anecdote thats all...   my point in making it is that there are pro’s and con’s with all payment systems, each have their ‘ideal use’....   

 

An ideal situation would be to have ‘all available’...   So when guys criticise digital payment (i.e. PromptPay) and suggest they’d never adopt, they are being narrow minded, and when others suggest there is no need for cash at all, they too are being narrow minded...  there are times when only using cash is ideal...

 

As often is the case, the balanced middle ground is the best option, but in these discussions it is only the extreme voices which have the loudest argument. 

 

 

 

 

 

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5 hours ago, richard_smith237 said:

Sometimes you have to communicate which option is to be used

Taking example of 7/11, I don't communicate. I simply wave my CC, or phone or pulled out cash from my wallet, and I found the person behind the counter smart enough to set me up for the transactions. Yes I communicate in places like Tukom because I want to ascertain if they are going to charge a fee for CC usage. 

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4 hours ago, richard_smith237 said:

As often is the case, the balanced middle ground is the best option, but in these discussions it is only the extreme voices which have the loudest argument. 

If a poster lays out pros and cons of using both methods, then it is OK. But so far nobody has posted a convincing arguments for using cash.

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You were lucky mate. Our nearest ATM has always been 5 km away and often empty. The next in the opposite direction is 15km. If both empty it's a 30 km trek to get cash usually at the weekend. One shop down the road, not a walk, now accepts QR payments. I guess others will follow.

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On 6/1/2023 at 8:51 PM, KhaoYai said:

Shops seem to behind the trend - when I put my card into a machine to pay a retailer, they always ask me to sign the chit - even though it says quite clearly on the transaction note 'No Signature Required'.

I don't know if it's because the cashier cannot read English, but whenever this happens to me I just point to the English text and say "อ่านว่าไม่ต้องเซ็น".

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3 hours ago, nrasmussen said:

I don't know if it's because the cashier cannot read English, but whenever this happens to me I just point to the English text and say "อ่านว่าไม่ต้องเซ็น".

Tried and failed - I just accept it - its Thailand.

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It's all part of the financial control mechanism to usher the digital CBDC they are pushing.,

Cash will be extinct in a few years .They want to track and trace all payments online .

A friend of mine who's a bank manager has been telling me for some time 

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On 6/1/2023 at 1:31 PM, The Fugitive said:

Excellent points. Plus, although there is now such a thing as contactless cash withdrawals using your mobile phone, some people will continue to use their cards perpetuating the risk of reading PIN's over their shoulder and card cloning. 

And if I chose not to use a phone for payments and banking?

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On 6/1/2023 at 6:05 AM, John Drake said:

Two 7 Elevens within 400 meters and one Lotus GoFresh a little further. And a small produce market opposite one of the 7 Elevens. Used to be two SCB Atms. Both gone. Only Bangkok Bank left.

On 6/1/2023 at 6:38 AM, Crossy said:

 

There was a paper notice (in Thai of course) on the machine (sadly I didn't take a photo) which said that it was closing for "commercial reasons".

 

The machine was an on-street one in a booth, not associated with a shop. I wonder if the village had to pay for it?

I have an account with SCB. In February, I noticed that all the 7/11 stores in Pattaya that used to have SCB ATMs no longer had them. When I visited my branch, i was told that SCB and 7/11 no longer had a contract. Nobody knew, or was prepared to say, why.

As it turned out, the Bangkok Bank on Soi Bukhau has a set of other Bank logos on its ATM, including SCB. I then found that cash withdrawals using my SCB card were free of all charges.

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5 minutes ago, JoseThailand said:

Just get a decent ATM card that allows withdrawing money from any ATM with no fee.

 

I'm not sure how that will reduce the 2km to the nearest ATM ???? 

 

For me it's not an issue (I use little cash anyway), but Madam doesn't drive so I have to get cash for her.

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8 hours ago, kennw said:

And if I chose not to use a phone for payments and banking?

That's your choice of course. For many people the option to load all their cards into their mobile wallet so that they can then forget about carrying individual cards, reducing the risk of accidentally damaging them or having them skimmed or pickpocketed is attractive. Last time I was in UK travelling by bus, very few passengers paid cash to the driver. I can't actually recall anyone tapping with a card, invariably they used their mobile 'phones. 

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On 6/1/2023 at 1:36 PM, lopburi3 said:

LINE?  What's that?  Some of us are zombies without a phone.

Line and QR code and Tik Tok and what have you or Not .

Seen the people in the Supermarket  Fumbling with their Smart Phone trying to pay, It takes ten times longer and  more people have to wait .

Not too smart . Can't get rid off Cash.,

Same with the Tills , When there's no power the whole supermarket comes to a halt .

Can't use the tills.  No one knows how to Ad up without a Phone that's if the prices are on the Items you have so no one can Pay in Cash .

No wonder this World is in a Mess

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5 hours ago, The Fugitive said:

That's your choice of course. For many people the option to load all their cards into their mobile wallet so that they can then forget about carrying individual cards, reducing the risk of accidentally damaging them or having them skimmed or pickpocketed is attractive. Last time I was in UK travelling by bus, very few passengers paid cash to the driver. I can't actually recall anyone tapping with a card, invariably they used their mobile 'phones. 

As a point of order, if you were in London, TfL no longer accept cash. Card, phone or some sort of pass only.

We old gits are lucky 'cos it's free! ????

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9 hours ago, VBF said:

As a point of order, if you were in London, TfL no longer accept cash. Card, phone or some sort of pass only.

We old gits are lucky 'cos it's free! ????

Thanks for that. I'm going to Manchester again next week. I just checked and cash is still accepted. Who knows for how much longer!

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