To the Bangko Sentral ng Pilipinas and local PHL Banks… Can you be more innovative by utilizing Apple Pay, Samsung Pay, and Google Pay instead of using these “CLUNKY” QRPH QR Code thing for cashless payments? Majority of Smartphones nowadays has NFC-enabled and as an IT Practitioner, I’m really wondering why the BSP is still stuck with these QR Codes. Maraming naglipana na FAKE QR codes dyan. Even BEEP Card should utilize these smartphone features.