From a user's point of view this seems great. No need to wait for congested LTE to download an app in order to pay for a scooter or parking.
I'm curious about the security implications of this though. Seems like it would be easy to make a NFC sticker "skimmer" that you sticker over the official sticker.
Not really because the Apple Pay KYC process as well as the restrictions that can be put into place would make this attack non viable.
If I skim your card in Chicago I can bill $2000 in a “coffee place” in Manila.
The same doesn’t work with NFC tags which not only can and likely will be geofenced but there’s no details to skim and the payment goes through Apple Pay not the credit card network which anyone can access.
Which doesn’t work because you’ll have to pass Apple KYC’s process, and it doesn’t scale since the NFC payment is much more limited than your credit card limit.
It’s already easy enough now however it doesn’t work in reality.
It doesn’t scale due to limits.
And it doesn’t work as easily as credit cards as you will have to go trough the Apple Pay merchant KYC process for these to be billable which means you will have to verify your business.
Credit card skimming works because the stolen details can be used anywhere in the world and the cash is pretty much immediately transferred.
They can also be used to buy physical goods which can then be resold.
Huh? Apple pay requires double-tapping the power button and then authenticating with Face ID before the payment gets processed. Where did you get the idea that you can get charged automatically by "some anonymous dude"?
I think there point is that you might not be able to verify the identity of the person you're paying. Like you might intend to pay someone but the nfc sticker has been overridden.
As others said, chances are the phone will still show you a payment takes place, allowing you to reject it, presumably while showing the amount to be paid and the payee.
I would also guess that:
- the first payment to a new payee to have a bit more UI.
- the phone’s setting to contain settings such as max amount to be paid per week or month, and max amount to be paid in one transaction.
- those tags to have some cryptographic signature with Apple vetting those wanting to get a key. A service like this can be highly successful if only a limited number of companies (¿a few hundred?) can produce such tags.
- Apple acting as an intermediary between iOS user and payee to protect their user’s privacy.
It also is possible that Apple will withhold payment for a few days or even weeks, to give time to detect and correct fraudulent transactions, and give its customers time to challenge payments.
If such challenges are handled by always repaying the iOS user, this won’t be more dangerous than allowing selected companies to withdraw money from your bank account whenever they see fit, something that millions of people in the world do because it is so convenient.
For example, if Londoners enable auto top up for their Oyster card (https://oyster.tfl.gov.uk/oyster/link/sso/0002.do), transport for London could transfer £1000 from their bank account the next day, even if they destroy that card seconds after signing up.
I would even expect that they can do that from any bank account even if it’s owner hasn’t applied for auto top up, or even has an Oyster card. This system is built on trust.
>if Londoners enable auto top up for their Oyster card, transport for London could transfer £1000 from their bank account the next day, even if they destroy that card seconds after signing up
This statement is sensationalist and not true, as the maximum load on a Oyster Card is £90.
Yes, that £1000 is a bit sensationalist, but the limit on an Oyster card doesn’t matter. Apart from a trust chain, there is no link between Oyster cards and bank accounts. If they were fraudulent, they could withdraw money from your bank account without topping up any card.
London transport must send thousands of payment requests to banks each day. Banks will honor them without checking anything, as there’s no way (apart from contacting the customer) for them to verify that London transport has the right to request those transfers of money to them (“here’s the form this customer signed last year” doesn’t say anything about whether the customer withdrew permission later)
The contract between the bank and London Transport likely says something about the amount of money they can request to be transferred to them each week, month or year, _may_ limit the amount per item, and says the contract will end if London Transport misuses the trust the banks give them, but that will be about it.
The tag contains the data who the payment is for and how much the payment is. You could do the exact same thing with QR, but with more fussing and aiming and worrying about the amount of light and whether the image is dirty or not.
I think the key is proximity, I believe. Like with a QR code, you could hypothetically take a picture of it and have that QR code be used anywhere. With this, you have to actually be in proximity to use it, I believe, which adds value in some contexts.
There's likely a secure element in these NFC devices, more sophisticated than the common NFC tags. My guess is something similar to the chips in bank cards.
None, iPhones already can read (but not write due to lack of apple providing an API for it) NFC tags. This announcement is that Apple Pay will support it as well.
I vaguely remember that Yubikeys with NFC cannot be used with iPhones (only with Android phones) because of some limitation related to NFC tags. So perhaps after this update, it will be possible.
I think a more accurate title might be "Apple Pay announces support for NFC tags", as NFC in general has been supported since the iPhone 7, but read-only.
That's the marketing narrative. In reality, Apple's implementations tend to be just as half-assed as everyone else's.
Egregious security problems like setting the password as the hint on their FDE, date handling bugs forcing people to factory reset devices and lose data, for all the glory people give them on UI stuff, their file manager and window management on MacOS are exceedingly awful.
Finder is awful IMO, this thread is probably fully of Apple-y types who will disagree, but if you're actually interested:
- Why does hitting the enter key not "go into directory" or "open file"?
- I can't even see a path tree to know where I am in the filesystem out of the box.
- Search, by default searches the entire system not the directory I'm in
- The default presentation is some weird list of random stuff from my system, recent files and temporary files and assorted irrelevant garbage. I had to fuss with options for quite some time just to get this to be intelligible.
- What the hell are all these colors? Why would any sane person want to group their files by color?
In the end I wiped OSX off the machine as I just couldn't put up with it's constant annoyances for no gain - more of window management than file management though. I shouldn't need 3rd party tools like Spectacle just to make things tolerable on a modern OS. Having used dozens of different desktops on Linux and Windows I didn't think a "user friendly" one would be such a pile of annoyances. Turns out that part was marketing wank too I guess.
Just in case anyone reading this has noticed the problem here but hasn't quite woken up to it: I really hate that people seem to accept their marketing at face value and not analyze any further, think they're doing something wrong if they run into problems with an Apple product. It's not just you. They make garbage and promote it like it's gold and people fall for it.
I know I shouldn't feed the troll, but here goes anyway...
Why does hitting the enter key not "go into directory" or "open file"?
Because Return renames the file. To open the file or directory you use Command-O, just like you'd use Command-P to print the file.
I can't even see a path tree to know where I am in the filesystem out of the box.
View > Show Path Bar. Or, Command-Option-P
Search, by default searches the entire system not the directory I'm in
On my machine it searches where I am. Just tried it.
The default presentation is some weird list of random stuff from my system, recent files and temporary files and assorted irrelevant garbage. I had to fuss with options for quite some time just to get this to be intelligible.
Sounds like you're using a Mac from 1987.
What the hell are all these colors? Why would any sane person want to group their files by color?
I do it all the time. If I'm going through a bunch of files that I need to deal with later, I'll tag the files for one client yellow, and another client blue, and another client green. When it's time to do something with those files I just type "green" into the search, and all of those tagged files just show up.
Also, while the tags are color-coded, it's not about the colors. It's file tagging. You can tag a file "Client X" or "Taxes" or "Animals" and then search for all files tagged Taxes modified in the last three months of a particular file type. The colors are just a place to start.
Pretty sure the guy you're responding to knows that. The question is why is the key mapped to "rename", when "open" is likely the far more common command?
> On my machine it searches where I am. Just tried it.
Finder -> Preferences -> Advanced: "When performing a search:" you can choose from "Search the Current Folder" (my current setting) or "Search This Mac" (apparently yours) or "Use the Previous Search Scope"
So, I'm nearly certain that I've not touched that setting, so the default is then "This Mac", which again, is what the parent is pointing out.
Without saying that the parent is right, that you've customized your setting does not invalidate the point the parent is making: that it is a bad default. (In fact, your customization might be proof towards it being a bad default.)
I didn't think I'd changed my default either, but I remembered I did run a shell script to set up "MacOS for developers" when I first got it, so maybe that was an included change.
I think all that demonstrates is that the default is bad for you and me. My parents use Macs, and I've watched my mother work enough to know she relies on the "This Mac" behavior regularly. She is a teacher, not a developer.
Users. What's a more common operation: rename this file, or open this file? I think if you did just a general survey of operations on a files, opening a file is vastly more common than wanting to rename it.
(And including all operations, including those that might be done with a mouse. I think you should design the keyboard around allowing users to transition into being power users, s.t. common inputs are doable on the mouse, but faster (but obvious) on the keyboard.)
> Because Return renames the file. To open the file or directory you use Command-O, just like you'd use Command-P to print the file.
How often do you rename files?
How often do you open files?
Based on that knowledge, which of these actions deserves a single button? Which button is universally used on all other platforms?
Yes, many of these things are preferences, but they're also bad defaults, having good UI and bad defaults are mutually exclusive in my opinion. Apple has some of the worst defaults in Finder.
How often do you rename files? How often do you open files?
Based on that knowledge, which of these actions deserves a single button?
It's the difference between doing something to a file, and doing something with a file.
Which button is universally used on all other platforms?
If all you've ever used is Windows and desktop environments that mimic Windows to make life easier for people coming from Windows, then you might have a narrow definition of "universal." But I've used dozens of platforms over the last 40 years, and can confidently state that there is no universal method.
> It's the difference between doing something to a file, and doing something with a file.
I fail to see a difference, I especially fail to see why, of all things, rename would be the default action on hitting the enter key.
Regardless, you're missing the key point: which action is done more frequently? Which deserves a single button?
> If all you've ever used is Windows and desktop environments that mimic Windows to make life easier for people coming from Windows, then you might have a narrow definition of "universal." But I've used dozens of platforms over the last 40 years, and can confidently state that there is no universal method.
Look at all modern file managers
- Windows Explorer
- Nautilus
- Thunar
- Dolphin
- Directory Opus
- Total Commander
What's the default action when you tap a file in your file manager on your mobile device? To open it. The easiest action to get to should be the most useful.
No one is just "mimicking Windows" here, they're doing the only thing that makes sense: to make frequent user actions readily available to the user. I get the impression some people seem to think this is good just because it's different.
What isn't ignorance or preference is factually wrong, with one possible exception:
> The default presentation is some weird list of random stuff from my system, recent files and temporary files and assorted irrelevant garbage. I had to fuss with options for quite some time just to get this to be intelligible.
Is the idea here that you don't think new finder windows should show "Recents"? Good news! Finder -> Preferences -> General: "New Finder windows show:" is a drop-down list. I set mine to Downloads, as that suits my workflow better than Recents.
The file properties window is worse than useless, especially if you want to do anything like editing ACLs. The multi-column menu is clunky and why is it the default setting to allow icons to overlap each other making them impossible to work out what it is.
I am forced to use OS X regularly enough and I still find finder a constant annoyance to the point where I feel like I am being gaslighted when I say I don't like it.
>Why does hitting the enter key not "go into directory" or "open file"?
Because it has it's own shortcut for it, e.g. Cmd-O.
>I can't even see a path tree to know where I am in the filesystem out of the box
That's some kind of complain? There's a two clicks away setting to enable said path display, plus a one click away viewing mode (NeXT-style) that shows all previous directories up to where you are.
>Search, by default searches the entire system not the directory I'm in
Again irrelevant. I, for one, like it that way. Besides, there's a setting to make it search only the directly you're in (and a third, to make it stick to what you've selected before, either global search or "current dir" search).
>The default presentation is some weird list of random stuff from my system, recent files and temporary files and assorted irrelevant garbage.
Irrelevant, and not really random. Sounds more like a complaint from somewhere coming from Windows and wondering why things aren't the same (ignoring the fact that OS X did things before Windows, and has its own users to please by keeping its own way).
>What the hell are all these colors? Why would any sane person want to group their files by color?
For the same reason people use colored post-it notes and bookmarks, and color code things. Immediate visual identification. And "those colors" are part of tags, which allow arbitrary, not folder based, grouping of files.
Google actually demoed the same approach three years ago. [1] Hopefully now that Apple is doing it, Android developers will finally implement it as well.
I wonder if NFC chip implants people usually put in their hands can be rewritten to work with this. That would be pretty dope to accept payments from people just by asking them to tap your hand :)
Why not use NFC instead? You don't have to get your phone out and focus the camera, just hold it near the sensor. Works with wearables too like Apple Watch. NFC is just better.
Because cameras are cheap, ubiquitous, and pretty much just as fast.
If you rely on NFC, then on Apple devices you need Apple's blessing - and for financial transactions that means Apple Pay only, you don't get access to install applications in the secure element of the NFC chip in the phone.
eg my bank installed a virtual contactless Visa/Mastercard on my Android device that worked with everything long before Google/Android Pay was a thing, and without Google getting a slice of the transaction.
Transit systems can install their own virtual transit card on Android too.
Japan has had mobile NFC payments for over a decade now (back to the dumbphone era), and while it's heavily adopted by chain stores; smaller shops, restaurants and bars have never really adopted it due to the onerous setup, hardware, etc.
In the past 6 months or so (so basically overnight), a QR payment system (PayPay) has gotten massive adoption. They did this in two ways: a massive expensive signup campaign (20% cashback on all purchases deal), and the fact that any tiny back-alley bar can just install the app, link their bank account, and print out a QR code and now they're accepting payments.
The big advantage for QR is the quick and cheap deployment process.
The cost of adoption of payees is drastically lower with QR codes. Anyone who wants to receive payments just has to print out a 10c laminated QR code and they're on the network. This helped bootstrap the network and drive mass adoption.
We have no functional equivalent where one platform controls most of the consumer internet. The closest would be Facebook, but most people wouldn’t like the idea of doing payments through the platform (for now). In addition, Venmo has pretty board reach.
Interesting. I remember doing experiments with this on my Nokia C7 (one of their last Symbian 3 phones) back in 2011. The vision of tapping nfc stickers / POS systems hasn’t really materialized since, but hopefully this helps. From my discussions with various store owners, the adoption has been difficult because changing your POS system is really painful. Hopefully this introduces an option where the problem is sidestepped entirely.
85 comments
[ 0.23 ms ] story [ 1884 ms ] threadI'm curious about the security implications of this though. Seems like it would be easy to make a NFC sticker "skimmer" that you sticker over the official sticker.
If I skim your card in Chicago I can bill $2000 in a “coffee place” in Manila.
The same doesn’t work with NFC tags which not only can and likely will be geofenced but there’s no details to skim and the payment goes through Apple Pay not the credit card network which anyone can access.
I think the attack would be to place a sticker that causes unsuspecting users to pay you instead of the intended merchant.
Essentially as soon as somebody reports you to Apple your account will be burned.
Of course, it's up to Apple to implement and administrate it, they are generally pretty sensible about this kind of stuff.
It doesn’t scale due to limits.
And it doesn’t work as easily as credit cards as you will have to go trough the Apple Pay merchant KYC process for these to be billable which means you will have to verify your business.
Credit card skimming works because the stolen details can be used anywhere in the world and the cash is pretty much immediately transferred.
They can also be used to buy physical goods which can then be resold.
You can’t do the same with NFC tags.
But I agree this is nice. convenient.
What I read:
> Imagine putting your phone down on the bar and being charged $1000 by some anonymous dude that hid a NFC tag there while noone was looking.
Basically, the entire planet is now 'fair game' as a skimmer.
I would also guess that:
- the first payment to a new payee to have a bit more UI.
- the phone’s setting to contain settings such as max amount to be paid per week or month, and max amount to be paid in one transaction.
- those tags to have some cryptographic signature with Apple vetting those wanting to get a key. A service like this can be highly successful if only a limited number of companies (¿a few hundred?) can produce such tags.
- Apple acting as an intermediary between iOS user and payee to protect their user’s privacy.
It also is possible that Apple will withhold payment for a few days or even weeks, to give time to detect and correct fraudulent transactions, and give its customers time to challenge payments.
If such challenges are handled by always repaying the iOS user, this won’t be more dangerous than allowing selected companies to withdraw money from your bank account whenever they see fit, something that millions of people in the world do because it is so convenient.
For example, if Londoners enable auto top up for their Oyster card (https://oyster.tfl.gov.uk/oyster/link/sso/0002.do), transport for London could transfer £1000 from their bank account the next day, even if they destroy that card seconds after signing up.
I would even expect that they can do that from any bank account even if it’s owner hasn’t applied for auto top up, or even has an Oyster card. This system is built on trust.
This statement is sensationalist and not true, as the maximum load on a Oyster Card is £90.
London transport must send thousands of payment requests to banks each day. Banks will honor them without checking anything, as there’s no way (apart from contacting the customer) for them to verify that London transport has the right to request those transfers of money to them (“here’s the form this customer signed last year” doesn’t say anything about whether the customer withdrew permission later)
The contract between the bank and London Transport likely says something about the amount of money they can request to be transferred to them each week, month or year, _may_ limit the amount per item, and says the contract will end if London Transport misuses the trust the banks give them, but that will be about it.
The tag contains the data who the payment is for and how much the payment is. You could do the exact same thing with QR, but with more fussing and aiming and worrying about the amount of light and whether the image is dirty or not.
But with much better UX and Security. QR Code does have its uses, but for many things it is the wrong solution.
?
And since the nfc tags will have a predetermined, set payment amount associated with them, even biometrics shouldn’t be necessary.
That only works with active NFC readers though. Presumably these tags are passive and aren't emitting a signal that would wake up the iPhone
I'd argue that Apple's lack of NFC support effectively stifled any would-be innovators from even exploring the possibilities.
Yeah, I'm salty from working around Apple's brain-damaged short range communication idiocies for years.
As with the iPod, iPhone, iPad, Apple Watch, etc, Apple are never the first: just the ones that do it better.
Egregious security problems like setting the password as the hint on their FDE, date handling bugs forcing people to factory reset devices and lose data, for all the glory people give them on UI stuff, their file manager and window management on MacOS are exceedingly awful.
- Why does hitting the enter key not "go into directory" or "open file"?
- I can't even see a path tree to know where I am in the filesystem out of the box.
- Search, by default searches the entire system not the directory I'm in
- The default presentation is some weird list of random stuff from my system, recent files and temporary files and assorted irrelevant garbage. I had to fuss with options for quite some time just to get this to be intelligible.
- What the hell are all these colors? Why would any sane person want to group their files by color?
In the end I wiped OSX off the machine as I just couldn't put up with it's constant annoyances for no gain - more of window management than file management though. I shouldn't need 3rd party tools like Spectacle just to make things tolerable on a modern OS. Having used dozens of different desktops on Linux and Windows I didn't think a "user friendly" one would be such a pile of annoyances. Turns out that part was marketing wank too I guess.
Just in case anyone reading this has noticed the problem here but hasn't quite woken up to it: I really hate that people seem to accept their marketing at face value and not analyze any further, think they're doing something wrong if they run into problems with an Apple product. It's not just you. They make garbage and promote it like it's gold and people fall for it.
Why does hitting the enter key not "go into directory" or "open file"?
Because Return renames the file. To open the file or directory you use Command-O, just like you'd use Command-P to print the file.
I can't even see a path tree to know where I am in the filesystem out of the box.
View > Show Path Bar. Or, Command-Option-P
Search, by default searches the entire system not the directory I'm in
On my machine it searches where I am. Just tried it.
The default presentation is some weird list of random stuff from my system, recent files and temporary files and assorted irrelevant garbage. I had to fuss with options for quite some time just to get this to be intelligible.
Sounds like you're using a Mac from 1987.
What the hell are all these colors? Why would any sane person want to group their files by color?
I do it all the time. If I'm going through a bunch of files that I need to deal with later, I'll tag the files for one client yellow, and another client blue, and another client green. When it's time to do something with those files I just type "green" into the search, and all of those tagged files just show up.
Also, while the tags are color-coded, it's not about the colors. It's file tagging. You can tag a file "Client X" or "Taxes" or "Animals" and then search for all files tagged Taxes modified in the last three months of a particular file type. The colors are just a place to start.
Pretty sure the guy you're responding to knows that. The question is why is the key mapped to "rename", when "open" is likely the far more common command?
> On my machine it searches where I am. Just tried it.
I also just tried it; the default is "This Mac". Here's a GIF of another user showing this behavior: https://apple.stackexchange.com/a/219410/73670
Without saying that the parent is right, that you've customized your setting does not invalidate the point the parent is making: that it is a bad default. (In fact, your customization might be proof towards it being a bad default.)
I think all that demonstrates is that the default is bad for you and me. My parents use Macs, and I've watched my mother work enough to know she relies on the "This Mac" behavior regularly. She is a teacher, not a developer.
"Far more common" for whom? Just because you have that in e.g. Windows?
(And including all operations, including those that might be done with a mouse. I think you should design the keyboard around allowing users to transition into being power users, s.t. common inputs are doable on the mouse, but faster (but obvious) on the keyboard.)
How often do you rename files?
How often do you open files?
Based on that knowledge, which of these actions deserves a single button? Which button is universally used on all other platforms?
Yes, many of these things are preferences, but they're also bad defaults, having good UI and bad defaults are mutually exclusive in my opinion. Apple has some of the worst defaults in Finder.
It's the difference between doing something to a file, and doing something with a file.
Which button is universally used on all other platforms?
If all you've ever used is Windows and desktop environments that mimic Windows to make life easier for people coming from Windows, then you might have a narrow definition of "universal." But I've used dozens of platforms over the last 40 years, and can confidently state that there is no universal method.
I fail to see a difference, I especially fail to see why, of all things, rename would be the default action on hitting the enter key.
Regardless, you're missing the key point: which action is done more frequently? Which deserves a single button?
> If all you've ever used is Windows and desktop environments that mimic Windows to make life easier for people coming from Windows, then you might have a narrow definition of "universal." But I've used dozens of platforms over the last 40 years, and can confidently state that there is no universal method.
Look at all modern file managers
- Windows Explorer - Nautilus - Thunar - Dolphin - Directory Opus - Total Commander
What's the default action when you tap a file in your file manager on your mobile device? To open it. The easiest action to get to should be the most useful.
No one is just "mimicking Windows" here, they're doing the only thing that makes sense: to make frequent user actions readily available to the user. I get the impression some people seem to think this is good just because it's different.
> The default presentation is some weird list of random stuff from my system, recent files and temporary files and assorted irrelevant garbage. I had to fuss with options for quite some time just to get this to be intelligible.
Is the idea here that you don't think new finder windows should show "Recents"? Good news! Finder -> Preferences -> General: "New Finder windows show:" is a drop-down list. I set mine to Downloads, as that suits my workflow better than Recents.
The file properties window is worse than useless, especially if you want to do anything like editing ACLs. The multi-column menu is clunky and why is it the default setting to allow icons to overlap each other making them impossible to work out what it is.
I am forced to use OS X regularly enough and I still find finder a constant annoyance to the point where I feel like I am being gaslighted when I say I don't like it.
Because it has it's own shortcut for it, e.g. Cmd-O.
>I can't even see a path tree to know where I am in the filesystem out of the box
That's some kind of complain? There's a two clicks away setting to enable said path display, plus a one click away viewing mode (NeXT-style) that shows all previous directories up to where you are.
>Search, by default searches the entire system not the directory I'm in
Again irrelevant. I, for one, like it that way. Besides, there's a setting to make it search only the directly you're in (and a third, to make it stick to what you've selected before, either global search or "current dir" search).
>The default presentation is some weird list of random stuff from my system, recent files and temporary files and assorted irrelevant garbage.
Irrelevant, and not really random. Sounds more like a complaint from somewhere coming from Windows and wondering why things aren't the same (ignoring the fact that OS X did things before Windows, and has its own users to please by keeping its own way).
>What the hell are all these colors? Why would any sane person want to group their files by color?
For the same reason people use colored post-it notes and bookmarks, and color code things. Immediate visual identification. And "those colors" are part of tags, which allow arbitrary, not folder based, grouping of files.
In general, whatever...
https://arstechnica.com/gadgets/2003/04/finder/
MacOS Finder > OSX Finder > Windows Explorer
Copeland 2010: that Apple needed to think about what’s next after Objective C and the related OS X frameworks.
http://arstechnica.com/staff/fatbits/2005/09/1372.ars
We already have Swift and Marzipan is on the way.
And MacOS needing a new file system.
https://www.macworld.com/article/1153576/siracusa_osx.html
Apple did that with APFS.
Maybe there is hope....
https://news.ycombinator.com/newsguidelines.html
[1] https://www.greenbot.com/article/3072233/zip-pow-google-show...
https://www.businessinsider.com/alipay-wechat-pay-china-mobi...
If you rely on NFC, then on Apple devices you need Apple's blessing - and for financial transactions that means Apple Pay only, you don't get access to install applications in the secure element of the NFC chip in the phone.
eg my bank installed a virtual contactless Visa/Mastercard on my Android device that worked with everything long before Google/Android Pay was a thing, and without Google getting a slice of the transaction. Transit systems can install their own virtual transit card on Android too.
With wechat I have to pull out my phone, unlock it, open the app, navigate to the payments part and open the camera, point it at the QR code.
What’s the relevance of Apple here? What’s to stop Android doing this with wearables? We’re taking about NFC not a particular brand of phone.
In the past 6 months or so (so basically overnight), a QR payment system (PayPay) has gotten massive adoption. They did this in two ways: a massive expensive signup campaign (20% cashback on all purchases deal), and the fact that any tiny back-alley bar can just install the app, link their bank account, and print out a QR code and now they're accepting payments.
The big advantage for QR is the quick and cheap deployment process.
NFC is a superior technology regardless.
The hot dog stand might not want it but they’re the rare case. In others NFC is just better in every way.
In the US. Many other countries are using NFC payments on their phones for years.