With PM calling for help after the dismal failure of the government, the civil service and the GLCs, lets guess what sort of country-wide e-payment proposal will Razer make to the PM as he claimed that he managed to assemble the industry e-payment expert. Here are 2 versions that are already in production world wide as well as in Singapore; 1) Stored value card such as HK Octopus where a smart chip stores the value and it can be used for island wide transport, retail shops, utilities etc. Similar to our SMRT Bus Cards but more readily accepted. - no phone app but merchant need point of sale terminal needed 2) QR code such as that launched by DBS. DBS has signed up with Comfort taxi and will now target retailers, hawkers etc. - phone app but can be used with or without point of sale terminal. Merchant only needs to display a static QR code and customer only keys in value after capturing the code. Merchant gets an sms on his phone acknowledging value of payment made. 3) Something that has never been introduced before. Here is the DBS QR code version where the Credit Card Terminal displays the QR code and records payment received. My guess is (2) QR code and might as well ask MAS to roll it out for all banks similar to Nets. Smart Nation bedrock is the use of the mobile phone for identity and payment authentication. For small vendors and makers, it will the static QR displayed on stall front with payments acknowledged thru telephone sms or a small display unit. No need for small vendors to maintain any equipment.