Fascinating! I had no idea QR codes were being used so extensively for payment services.
It does seem a little bit less convenient than what I'm used to with Apple Pay, though. There are lots of services competing for your attention, so it seems like it could be hard to find the QR code for the one you actually want to use. It also looks like you have to open a specific app, then use it to scan the code; is that correct? I like that with Apple Pay I can just press my phone's side button two times and then hold it near the reader.
Do you know anything about how these payment servicers handle fraud? For instance, if someone gets access to my GrabPay account or steals my phone and drains my prepaid account, would I have any chance of getting that money refunded? What about with Maybank where the funds come from my checking account?