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The ubiquity of mobile payments in Thailand


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lol...yep is a pet peeve as i exp it daily at tesco X on my way home....i had a 4 pack of yogurt and cash in hand and 2 duded in front of me....and the guy didnt know quite what he was doing ...as i stared at the cashier as he was waiting too.....then let out a long sigh..seeing if they would take the hint of others standing there waiting for them to figure it out....

 

it what it is and  there have been times when i simply put the item back and walked out in a sign of protest.....(longer sigh)

 

I also usually have exact change too...and i hide those damn satang coins in the store if i need them as i hate carrying them..

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1 hour ago, Liverpool Lou said:

The thing is most people who are going to use TrueMoney, for example, already have the phone out with the app open, the cashier just fires the reader at it and the payment is done.  Takes seconds, "no dicking about with PINs" and it is only the cashier who scans the QR, and then only once.   

It is faster than fannying about with finding the wallet, deciding which note to tender, then wait for change but it does give whining AN posters something to exaggerate about, even though it is usually the same boring thing.

 

I agree. If done correctly, then it takes seconds.

I guess the problem is at least in some cases, that people have not enough money in their accounts.

I remember once at a cinema counter. After the couple needed their time to select the movie and where they wanted to sit, then they tried to pay with one of their credit cards. Not enough credit (for two movie tickets) on this card, not enough on that card...

That takes time.

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1 hour ago, OneMoreFarang said:
2 hours ago, Liverpool Lou said:

The thing is most people who are going to use TrueMoney, for example, already have the phone out with the app open, the cashier just fires the reader at it and the payment is done.  Takes seconds, "no dicking about with PINs" and it is only the cashier who scans the QR, and then only once.   

It is faster than fannying about with finding the wallet, deciding which note to tender, then wait for change but it does give whining AN posters something to exaggerate about, even though it is usually the same boring thing.

Expand  

 

I agree. If done correctly, then it takes seconds.

I guess the problem is at least in some cases, that people have not enough money in their accounts.

That would not be a factor in the cash v digital argument anymore than the "didn't have enough cash in his pocket" situation that delays the payment process would be.   The TrueMoney app displays the available balance as soon as the app opens, it is not something that is revealed halfway through, and therefore delays, the payment process.

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13 hours ago, JTXR said:

each transaction will take three or four times as long as the cash

You’re retired. You live in a country with oppressive heat. You have nothing to do all day and you have all day to do it in. Yet you whinge if needing to spend an extra 20 seconds in an air conditioned shop. Amazing. 

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I guess it's now time for the usual 50 or so "cash is king" posts that appear like clockwork each time this issue comes up...

 

And I must say, it continues to astonish me that the mythical "five minutes to pay by scanning" slowpokes only stand in queues ahead of people who detest mobile payments, and are otherwise never seen in nature. 🤔

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On 5/26/2024 at 2:15 PM, JTXR said:

Heaven forbid the person (or people) ahead of you in a queue at 7-11 are paying for their 50-baht purchases with their phone. 

Dicking around with pin numbers, and clerks and customers scanning QR codes, each transaction will take three or four times as long as the cash transactions taking place to your left and your right.

 

[sigh]

 

 

Cash transaction 5 seconds, three or four times that is a maximum of 20 seconds - what's the problem? 

 

You will often spend 30 times that (5 seconds) at some traffic lights just to wait your turn.

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Posted (edited)

Even more fun at the counter at Mcd/BK/KFC when the fat ugly mom and her 3 fat diabetes-bound kids take 3 minutes to scour the menu before even ordering instead of standing back until ready.

 

Otherwise I don't think QR payment is any slower or faster than cash if one is ready to scan.

 

Edited by Sandboxer
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On 5/26/2024 at 5:25 PM, Liverpool Lou said:

"I can conduct an transaction with cash in 15 seconds."

As can I, and anyone else, with the TrueMoney app open.  The screen is read and the transaction is done...five seconds, max.

Contrary to populat belief, this is really possible, I witnessed it today in our 7/11 (ok, it was maybe 45 seconds, but it was really quick, almost as quick as paying with cash).

 

How was this possible?

What was the secret trick?

 

They were two people! One buyer, and her boyfriend who managed the mobile payment.  He could prepare the phone when she was putting stuff on the counter,  he could hold the phone - in the right angle - for the cashier to scan when she grabbed the bags, he stored away the phone unhindered by the stuff they bought. 

 

In a cashless society,  one needs a partner. 

 

 

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Posted (edited)

Totally absurd as most of the people paying with phones who are experienced in Thailand, usually have the app and the camera scan already open and it takes few seconds to pay.

 

In fact it's those with cash who fumble in the wallet for the 1 bhat coin that's missing to sum up, that delay or those with cards who forget their pin code or the card reader that does not work are the ones who make more delay.

 

Just plain jealousy in seeing people looking good, happy and having money to pay via a phone.

 

Many foreigners in Thailand need to remember that they are not in their homeland. They need to learn a fundamental aspect of Thai culture that is...patience. One is fed up of those rude foreigner couples at the supermarket cash queue, getting impatient and being rude with the people in front. No wonder some get punched on their noses 😂

Edited by SingAPorn
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55 minutes ago, SingAPorn said:

most of the people paying with phones who are experienced in Thailand, usually have the app and the camera scan already open and it takes few seconds to pay.

All the others,  who first must look where is the phone,  then fiddle in their pocketbook to find the code to unlock the phone,  then try all birthdays of the extended family to find the PIN of the paying app etc etc etc... ad infintum....

All these others are in my 7/11, obviously

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On 5/26/2024 at 2:15 PM, JTXR said:

Heaven forbid the person (or people) ahead of you in a queue at 7-11 are paying for their 50-baht purchases with their phone. 

Dicking around with pin numbers, and clerks and customers scanning QR codes, each transaction will take three or four times as long as the cash transactions taking place to your left and your right.

 

[sigh]

 

 

So you get all steamed up and angry waiting in this shopping queue. You can't wait to get out of there to rush home, (or wherever) so you can waste your time tapping out this grumpy post!

 

How sad. How very sad.

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4 hours ago, SingAPorn said:

as most of the people paying with phones who are experienced in Thailand, usually have the app and the camera scan already open and it takes few seconds to pay.

You have obviously never paid anything at a shop with a mobile app.

In case you ever want to try, let me tell you: most of these apps will, for security reasons,  close after a relatively short time. As you don't know how quickly or slowly the guys before you will pay, you cannot possibly "have the app and camera scan already open".

 

Nice try, but you gave yourself away. 

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Posted (edited)
On 5/27/2024 at 7:35 PM, SingAPorn said:

Totally absurd as most of the people paying with phones who are experienced in Thailand, usually have the app and the camera scan already open and it takes few seconds to pay.

I'm not interested in characterizing people.  The fact remains that at my local 7-11 the queues move consistently and demonstrably faster when people pay with cash.  Around 95% of the customers are Thai. 

Edited by JTXR
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5 hours ago, JTXR said:

I'm not interested in characterizing people.  The fact remains that at my local 7-11 the queues move consistently and demonstrably faster when people pay with cash.  Around 95% of the customers are Thai. 

well you are infact chracterizing a situation in your description of your local 7-11, by considering it to represent the entire dynamics of the topic involved.

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On 5/28/2024 at 12:27 AM, Lorry said:

You have obviously never paid anything at a shop with a mobile app.

In case you ever want to try, let me tell you: most of these apps will, for security reasons,  close after a relatively short time. As you don't know how quickly or slowly the guys before you will pay, you cannot possibly "have the app and camera scan already open".

 

Nice try, but you gave yourself away. 

 

Of course you can have the app ready. If customers in front of you take longer than expected, and there is a risk that the app times out, you can just click on another function in the app (e.g. check you account balance)  while waiting.

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16 minutes ago, Sophon said:

 

Of course you can have the app ready. If customers in front of you take longer than expected, and there is a risk that the app times out, you can just click on another function in the app (e.g. check you account balance)  while waiting.

Sure, waiting until the customers behind you remind you that's it's your turn,  which you missed because of all this clicking on your app :)

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