this is good btw, we need to break the duopoly of visa and mastercard w their exorbitant fees.
most asian countries (singapore-paynow, indonesia-qris, india-upi, china-wechat/alipay, japan-iD/quickpay) use QR systems tied to local banks/payment methods and should encourage that.
ASEAN unity is something good to pursue since it weakens pan-Islamic identity. Indonesians have much more in common with Thais and Filipinos than Afghans and Algerians.