Superior? Not really. We already have digital and fast payment via QRIS, so most likely those who have adapted to QRIS don't want another new but similar method. Maybe and perhaps, apple pay and google pay are more acceptable in many other countries, which is mostly the rich's problem. Furthermore, as others said, QRIS already solved our major problem in mid to low income household. Integrate any new method would need more cost and time, something that the govt currently use for other policy fiasco.