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scanning QR code is hassle af, especially for such Average Joe - who utilizes plain NFC payments intensively
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If its a pain for you its a pain for scammers and thieves too :)
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the same like today with plain NFC payment - when smartphone is locked, no reaction to NFC
and scammers usually cannot click on your unlocked smartphone screen to confirm the transaction
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Lol you've got a point there, but if you have a smartphone you probably have a camera so you can scan a QR but yeah i feel you