‹ All reads Several times a day, most of us pay the same way. You hold your phone up to a printed code, check the name that appears, enter the amount, key in a PIN, and a green tick says it is done. On the other side, someone’s phone buzzes to say the money has arrived. Start to finish, two or three seconds. Those five moments, the scan, the name and amount, the PIN, the tick, and the buzz on ...