According to our records, traders selling clothes, souvenirs, food stalls, etc. in traditional markets in Hoi An City are all equipped with QR codes for customers' convenience in payment.
However, many people who go to the market still have the habit of using cash to pay. Most of those who use smartphones to scan QR codes are young people and officials; while workers mainly use cash to pay.
Ms. Nguyen Thi Lien (in Cam Nam ward) said that she goes to the market every day to buy food and personal items. She saw many stalls equipped with QR codes for customers to scan with their phones when paying, but she still paid in cash.
“Scanning to pay when shopping is very convenient, but I think it is more suitable for supermarkets and large stores. Because I, like many other women in rural areas, go to the market to buy a bunch of vegetables and some fish with a small amount of money, so when I scan the code to pay, I have to wait for the counter owner to see if the money has been deposited into the account; and if something goes wrong, the money has been transferred but the money has not been received, which is a hassle,” Ms. Lien shared.
Similarly, Mr. Do Van Trung (in Hoi An City) said: "Every time I go to a big store or supermarket, I use my smartphone to scan the QR code when paying, but when I go to the market, I rarely use it because paying in cash for a few tens of thousands of dong is more convenient."
Many vendors in Hoi An’s traditional markets said that they have been instructed by many banks and Viettel to install QR codes and have responded enthusiastically, but market-goers still have the habit of using cash. Tourists use cards to pay, so using phones to scan QR codes has not been widely popularized.
Mr. Nguyen Tien Dung - an employee of Vietnam Joint Stock Commercial Bank for Industry and Trade said that after a period of coordinating with the Hoi An Market Management Board to pilot the installation of QR codes, about 50-70% of traders and stall owners responded and trusted the use, especially fabric stalls, souvenir stalls, food stalls, while traders selling vegetables, fish, and meat used it less.
It takes time for people to use QR code scanning applications for payment in traditional markets, including increased communication to help change consumer habits.
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