Its amazing how slow and inconvenient are America moving towards new technology. In Asia we typically browse using online system and no own fumbled it yet somehow on this tech website, everyone fumbled it.
HN is so ironic, they complain and criticize everything but fail to understand QR code. Are they actually a programmer or only acting like it. India already have UPI implementation while in the USA they need apple to save their useless banking system and still fail to move on with tech.