二维码支付变形记<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/1_defcb6fdaa.jpeg"><figcaption>图 / Pixabay</figcaption></figure>方寸黑白，是生活方式变革的缩影。二维码支付给予人们极大便利。消费者埋单时，不必再为了凑齐现金跑断腿找ATM机。东南亚国家据悉正加速推广无现金移动支付；中国在这方面表现抢眼，二维码支付普及率在全球领先的基础上仍保持上升势头。不过，二维码并不是为了支付而生。早在1994年，日本就将二维码用于本国汽车行业，市场营销和信息共享等领域也能见到二维码的身影。中国创新性地将二维码变成移动支付的重要载体，并由此掀起无现金支付潮流。当前，微信支付用户人数达6亿，支付宝用户约5.2亿。二维码支付进军新加坡则相对受阻。无现金支付虽已广泛应用于当地的小贩中心、商场和线上平台，但没有充分考虑多数老年人实际。老年群体接受新事物能力较弱，年轻人眼中的“便”或许是老年群体难以适应之“变”。不过新加坡二维码支付发展态势总体依旧向好，多地交易已进入二维码时代。数据分析公司Statista调查结果表明，截至2018年10月，新加坡国内25至34岁人群中约36%使用二维码付款。而在津巴布韦，受用户需求驱动，2017年当地80%的交易均通过电子渠道完成，现金支付仅占两成。二维码支付吸粉的原因主要有以下两点：数据化零为整<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2_e390822163.jpeg"><figcaption>图 / Pixabay</figcaption></figure>无现金支付涉及大量数据交互，而卡信息、持卡人信息、卡密码等交易数据都可以轻松存储于App中。交易时只需打开支付App，扫描二维码即可完成支付。安全无懈可击<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/3_71816f1c3a.jpeg"><figcaption>图 / Pixabay</figcaption></figure>移动端保存的所有数据都经过加密处理，因此消费者扫描二维码支付时，不必担心欺诈或安全问题。同时因数据以编码形式存储，读取数据时不需要互联网参与，斩断了黑客盗取信息的可能性。部分国家已试水二维码支付并取得一定成效。相信未来二维码支付将继续发展，从“歪打正着”的技术创新变成“名副其实”的生活必备。&nbsp;

THE EVOLUTION OF QR CODE PAYMENTS&nbsp;<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/1_b10459f138.jpeg"><figcaption><a href="https://pixabay.com/photos/qr-code-barcode-miniature-figures-3970681/">Source: Pixabay</a></figcaption></figure>&nbsp;QR CODES – aren’t they the solution to all of our problems?&nbsp;It gives everyone and anyone lesser reasons to make a quick run to the ATM machine before footing the bill at a hawker centre.&nbsp;According to a source,&nbsp;Southeast Asia&nbsp;is experiencing a growing acceptance of mobile cashless payments. We all know that China is the only country to have adopted it exceptionally well and is still thriving among many local consumers up until today.But here’s the question everyone should ask.&nbsp;How did QR codes come into being in the first place?&nbsp;In 1994, QR Codes were typically used as a matrix barcode mainly for the&nbsp;<a href="https://www.mobiletransaction.org/qr-code-payment-works/">Japanese automotive industry</a>. It was also included in many activities, such as marketing and information sharing.&nbsp;In China, however, it turned into the common way for people to make payments using their mobile, which ultimately brought about a boom in cashless payments.&nbsp;Currently, WeChat Pay has&nbsp;<a href="https://www.todayonline.com/singapore/big-read-beijing-cash-not-king-and-mobile-payment-reigns-supreme">600 million users</a>&nbsp;while AliPay has approximately&nbsp;<a href="https://www.todayonline.com/singapore/big-read-beijing-cash-not-king-and-mobile-payment-reigns-supreme">520 million users</a>&nbsp;worldwide.&nbsp;The situation in Singapore might paint a different story altogether when it comes to the adoption of QR Code payments. Certainly, cashless payment options are used widely amongst local consumers in hawker centres, shopping malls and online.&nbsp;&nbsp;But, it may not be comfortable for most elderly due to the inconvenience of technology use that they may face. This, however, may not stop the evolution of QR Codes from digital to mobile in most regions of the country.&nbsp;As of October 2018,&nbsp;<a href="https://www.statista.com/statistics/1031146/singapore-age-distribution-of-online-shoppers-who-use-qr-code-as-e-payment/">approximately 36 % of people</a>&nbsp;aged between 25 and 34 years old made use of QR Code payments. These numbers were pulled out according to a survey in Singapore by the Statista Research Department.&nbsp;On the contrary, in&nbsp;<a href="https://www.theguardian.com/world/2018/feb/22/kenya-leads-way-mobile-money-africa-shifts-towards-cash-free-living">Zimbabwe</a>, by 2017, 80% of transactions were made electronically, while 20% made the bulk of cash transactions. It is surprising to note that these mobile and cashless transactions were all driven by consumer’s necessity alone.&nbsp;So what is it that makes using QR Codes all good?&nbsp;IT IS DATA-CENTRIC<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2_6671253dfe.jpeg"><figcaption><a href="https://pixabay.com/illustrations/large-data-keyboard-computer-895567/">Source: Pixabay</a></figcaption></figure>When it comes to digital payments; each transaction requires the use of large volumes of data. And that includes - credit card details, personal particulars along with passwords. With digital applications, it is easy to store all of your data conveniently. Just think about it - with only one scan, and that large volume of data can be accessed thoroughly.&nbsp;SAFE TO USE&nbsp;<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/3_316feb6320.jpeg"><figcaption><a href="https://pixabay.com/photos/hands-fingers-positive-bracelets-2227857/">Source: Pixabay</a></figcaption></figure>There is no reason to worry about fraud or security issues as you scan a QR Code because all the information stored is encrypted. Since the data is stored in the code itself, there is no need to gain access to the Internet to read them. Hence, this leaves you out of the possibility of a hacker to steal your information.&nbsp;With that said, the evolution and growth of QR Code payments can be seen successfully adopted in some countries, and it will positively progress to be something that most cannot live without.&nbsp;Credit to/Read more:1)&nbsp;<a href="https://www.mobiletransaction.org/qr-code-payment-works/">https://www.mobiletransaction.org/qr-code-payment-works/</a>2)&nbsp;<a href="https://www.statista.com/statistics/1031146/singapore-age-distribution-of-online-shoppers-who-use-qr-code-as-e-payment/">https://www.statista.com/statistics/1031146/singapore-age-distribution-of-online-shoppers-who-use-qr-code-as-e-payment/</a>3)&nbsp;<a href="https://www.theguardian.com/world/2018/feb/22/kenya-leads-way-mobile-money-africa-shifts-towards-cash-free-living">https://www.theguardian.com/world/2018/feb/22/kenya-leads-way-mobile-money-africa-shifts-towards-cash-free-living</a>&nbsp;