Thanks for a fascinating article. I also agree that Malaysia might have a better idea than we do in the West. I have never been fond of Apple Pay. Just seems like another entity thrown in the middle of the pay cycle.
I especially like the idea of it coming right out of my bank account instead of worrying about adding money to it.
And I love the idea of how widespread it can be.... from individuals at a garage sale (I am assuming) to mainstream merchants.