If you have just arrived in Indonesia whether in Jakarta, Bali, or any major city you will notice one thing almost immediately: everyone pays by scanning a QR code. From coffee shops in Sudirman to beach cafes in Canggu, from warungs in Ubud to parking systems in Grand Indonesia mall, QRIS has become the default way to pay across the country. But how does it actually work? Can foreigners use it? And which...