I don't use any pay apps, less because I don't thist these, but I don't thrust the privacy of mobiles with banking data. Apart I don't need these, I have all shops, malls, banks and all what I need in a radio of less than 1 km arround my home. I always pay in the most private way, with cash. Anyway, If I need one day such app, probably I would use one of my bank, not a third party one.

Those aren't exactly qr codes, but rather a scan code, different thing.

Though yes, one could pay using qr here. But I never do it because anyone can make QR codes. With those scan codes you need more additional verification, it's safer.

PEOPLE PAY FOR SHIT VIA QRCODES??? O_O

It's ubiquitous through much of SE Asia. Eg Thailand etc

For payments between friends, we can request payments via QRcodes from our banking apps that friends scan with their banking apps. It’s secure as before you scan the QRcode, you can see the amount you’ll pay and when you scan it with your app, you’ll see the amount you’re going to pay and then you have to either use biometrics or your pin to confirm the transfer.

Oh mate, you need to go to China and discover that shit! It was already everywhere back when I lived there in 2016 and I mean everywhere. Even the local dude selling flat bread for 50p accepted payment with his QR code. Amazing stuff, seriously.
I'm so sick and tired of being so far behind...

Ahh, no no. We can pay with card with no need for an app. This code reader thing can be used for 2FA when making an online payment or logging into the banking site, so one does not need to use a phone app.

I’m from a Southeast Asian country known as Malaysia, and yes, not only it’s a norm to use QR for making payments at shops and transfer money online here (we have a unified QR system called DuitNow QR), but also when paying at some shops in neighbouring Thailand and Singapore.

Yep, in Belgium too. Can be directly at the cashier in a physical store, barber, etc or online e.g. food delivery. It's pretty efficient and AFAICT pretty low cost. Also does not have to rely on MasterCard or VISA.

This scanner is for 2-factor authentication in the case that one does not want to use a phone app. When you try to log in, or pay online, the browser displays a unique QR code that the scanner is able to decode.

You would enter your pin into the scanner, scan the code, and the scanner displays a number. You then type that decoded number into a field under the QR code and your are let through.

It can be ordered for free here in the NL: https://www.ing.nl/particulier/digitaal-bankieren/mijn-ing/scanner

So, with this scanner as a 2FA method, the app is not needed. One can pay offline with a card, online with a scanner, and check account balances through any browser using the scanner to log in.

I'm a ČSOB (a local bank here in Slovakia) customer. Its 2FA app (SmartToken) checks for root, but not for unlocked bootloader.

Idk. They require your phone number, so make your opinion on that. They're based in the UK though.

Then use your plastic card instead of an app

Which I do so rarely, that my simple Visa/Dankort easily handles that...