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Smartphones aren't tiny PCs, but that's how we use them in the West


It probably helps that China is an authoritarian government which still has control over the banks...

No it probably helps that QR codes work on the 700+ million low-end smartphones currently in use in China whereas western banks assume all western consumers will just buy a new high end smartphone every 18 months to get NFC (I wont - so it will be at least 5 years before I buy a phone that has NFC).

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