retailsales

#WalletConnect itu ibarat "QRIS Universal" yang tidak mengenal batas negara.
Kita sedang menyaksikan evolusi sistem pembayaran yang selama ini diimpikan oleh para crypto-native.
Berikut adalah bedah perbandingan antara Model WalletConnect (Web3) vs Model QRIS (Web2), dan mengapa ini revolusioner:
1. Pengalaman Pengguna (UX) Sama, Tapi Beda Mesin
Secara kasat mata, pengalamannya identik:
QRIS: Buka m-banking/e-wallet > Scan QR > Masukkan PIN > Selesai (Saldo Rupiah terpotong).
Wallet Connect: Buka Crypto Wallet (Metamask, Phantom, Trust) > Scan QR > Sign Transaction > Selesai (Saldo USDC/ETH terpotong).
Bedanya ada di "Rel Kereta" (Rails) di belakangnya:
QRIS: Mengandalkan Switching antar bank/dompet lokal. Anda harus punya rekening bank Indonesia. Jika ke luar negeri, harus ada kerjasama G2G (antar negara), seperti QRIS Cross-border (Thailand/Singapura). Prosesnya birokratis.
WalletConnect: Mengandalkan Blockchain. Tidak peduli Anda orang Indonesia, Amerika, atau Nigeria, selama Anda punya private key dan koneksi internet, transaksi terjadi. Tidak perlu izin bank sentral kedua negara.
2. Keunggulan Utama: "Currency Agnostic" (Bebas Mata Uang)
Ini adalah poin "dapat digunakan di negara manapun" yang Anda sebutkan.
Kasus QRIS/Kartu Kredit: Jika Anda belanja di Lisbon pakai Rupiah, Anda kena kurs konversi (IDR ke EUR) yang seringkali rate-nya jelek, plus biaya administrasi bank.
Kasus WalletConnect: Anda bisa bayar pakai USDC atau USDT (Stablecoin).
Merchant terima Euro (dikonversi otomatis oleh payment processor mereka).Anda bayar persis sesuai nilai dolar saat itu.Tidak ada spread kurs bank yang mencekik.
3. Hambatan Terakhir: Kecepatan & Biaya (Gas Fee)
Kenapa ini baru ramai sekarang (seperti di Lisbon)? Karena dulu blockchain (Layer 1 Ethereum) terlalu lambat dan mahal (gas fee bisa $5 buat beli kopi seharga $3).
Sekarang, dengan adanya Layer 2 (seperti Base, Arbitrum, Optimism) atau blockchain cepat (Solana), biaya transaksi jadi di bawah $0.01 dan instan.
Inilah kenapa teknologi #ZK-Proof (yang kita bahas sebelumnya) menjadi krusial. #ZK-Rollup memungkinkan pembayaran kopi di Lisbon tervalidasi instan dan murah, tapi tetap aman setara Ethereum.
Meskipun begitu Kripto masih sangat jauh mengejar sistem penjualan lokal.
Retail kecil seperti food truck, penjual di pasar kaget/farmers market, atau toko kelontong kecil punya solusi sendiri dan kemudahan pemakaian nya jauh lebih dari kata simple dibandingkan kripto saat ini.
Berikut peta sistem pembayaran retail kecil di berbagai negara:
1. USA, UK, Australia, & Kanada: "The Dongle Revolution" (Square/SumUp)
Di negara-negara ini, pedagang kaki lima sekalipun jarang sekali yang cash only. Kalau Anda beli kopi di pinggir jalan di New York atau London, mereka menggunakan alat kecil bernama mPOS (Mobile Point of Sale).
Alatnya: Kotak putih kecil (seperti merek Square, Clover, atau SumUp) yang ditempelkan ke iPad atau HP pedagang.Caranya: Pembeli tinggal Tap kartu kredit/debit atau Apple Pay/Google Pay ke kotak kecil itu.Kenapa tidak QR? Karena ekosistem mereka sudah "mendarah daging" dengan kartu (Visa/Mastercard). Jadi, inovasinya bukan mengganti kartu dengan QR, tapi membuat mesin kartu (EDC) jadi murah dan kecil supaya pedagang kecil mampu beli.
2. China: "The QR Kingdom" (Mirip Indonesia)
Ini pengecualian. China sama bahkan lebih ekstrem dari Indonesia.
Pedagang pasar, pengamen, sampai donasi kuil pakai WeChat Pay atau Alipay.
Mereka melompati fase kartu kredit. Dari cash langsung ke QR. Di sana, retail kecil justru bingung kalau Anda mau bayar pakai kartu Visa/Mastercard (kecuali di mall besar/hotel).
3. Jepang & Jerman: "Cash is (Still) King" tapi Berubah
Dua negara teknologi raksasa ini uniknya secara budaya sangat suka uang tunai (alasan privasi dan budaya berhemat).
Dulu: Warung ramen kecil atau toko roti di Jerman sering menolak kartu. Ada tulisan "Cash Only".
Sekarang (Pasca-Covid): Berubah drastis. Retail kecil di Jepang sekarang punya mesin kecil untuk IC Cards (seperti e-Money/Flazz kalau di kita, namanya Suica/Pasmo). Tinggal tempel kartu kereta, bayar selesai.
Jerman: Mulai banyak pakai kartu debit (EC Karte), tapi masih banyak tempat kecil yang cemberut kalau Anda mau bayar kopi 2 Euro pakai kartu.
Perbandingan Infrastruktur: Kenapa Indonesia Pilih QRIS?
Kenapa tukang cilok kita tidak pakai alat "Tap" (NFC) seperti tukang hotdog di Amerika?
Biaya Alat (Hardware Cost):
Amerika: Alat Square reader harganya murah (sekitar $50 atau bahkan gratis promo), dan orang sana semua punya kartu.
Indonesia: Membagikan mesin EDC/NFC ke jutaan pedagang itu mahal.
Solusi QRIS: Cuma butuh Kertas + Tinta Printer. Biaya infrastruktur mendekati Nol Rupiah. Inilah kenapa QRIS meledak di negara berkembang (India punya UPI, Brazil punya Pix).
Kepemilikan Kartu vs HP:
Di Barat, semua orang dewasa pasti punya akun bank dan kartu debit/kredit.
Di Indonesia, banyak orang unbanked (tidak punya rekening), tapi punya HP dan GoPay/OVO. QR Code adalah jembatan termudah.
Kalian bisa mencoba nya sistem pembayarannya dengan menggunakan Binance Pay. Untuk orang luar yang belum mengenal sistem QR cobalah, ada sistem pembayaran di binance untuk merchant di binance dengan Binance Pay.
#RetailSales

Retail sales in the United Kingdom rose sharply in June, offering the clearest sign yet that the British economy is regaining momentum after months of stagnation. According to the British Retail Consortium (BRC), total retail sales increased by 3.1% year-on-year.
This rebound was largely driven by warmer weather, which encouraged Britons to spend more on electric fans, sports gear, and leisure products. The sunny conditions also boosted foot traffic in stores, lifting seasonal sales.
BRC CEO Helen Dickinson noted strong performance across both food and non-food segments. “Retail sales rose in June in both food and non-food categories,” she said. “Food sales remained robust, though this was partly due to persistently high food inflation throughout the year.”
Food sales climbed by 4.1%, while non-food purchases increased by 2.2%, reversing the retail sector’s negative impact on GDP seen in May. Although economic uncertainty and rising living costs continue to weigh on households, consumers appear more willing to spend.

Businesses Regain Confidence as Recovery Takes Shape
The rise in retail spending is the latest in a series of indicators pointing to a possible recovery in the UK economy after a weak spring. Economic activity declined in both April and May — the first consecutive monthly contractions since 2009 — as the country dealt with a mix of domestic and global challenges, including new U.S. tariffs, corporate tax hikes, and a rise in the minimum wage that prompted firms to cut hiring and wage costs.
Now, conditions are improving. The Purchasing Managers’ Index (PMI) showed the fastest rise in private sector activity in nine months during June, covering both manufacturing and services.
A recent Bank of England survey also revealed that businesses are ready to ramp up hiring, which bodes well for employment and consumer spending. Companies plan to increase their workforce by 1.1% over the next year — a sharp rise from the cautious tone at the start of 2025.
Economist Paul Dales wrote in a report to investors that there is growing evidence that “the worst phase of the downturn is behind us,” and while recovery remains uncertain, recent data suggest confidence is returning across key sectors.

Starmer Seeks Political Breathing Room from Retail Rebound
The timing of this retail upturn couldn’t be better for Prime Minister Keir Starmer, who faces mounting pressure to deliver results. His administration is grappling with multiple issues, from the cost-of-living crisis to low productivity and sluggish growth.
Stronger retail sales, rising business confidence, and improved labor market expectations offer temporary relief. It may give his government the political space it needs to launch new reforms and investment plans without being overshadowed by a worsening recession.
Still, caution remains warranted. Amid ongoing global uncertainties, rising food prices, and possible interest rate moves from the Bank of England, economists say the UK may avoid a prolonged downturn — but risks persist.
For Starmer, this may be a narrow window of opportunity to consolidate public support and stabilize the economy. If these green shoots endure through the summer and into the autumn, the UK could end 2025 on a far stronger footing than many dared to hope at the start of the year.

#Inflation , #economy , #worldnews , #RetailSales , #UK

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New UK data is showing how tricky the road is ahead of Wednesday’s budget. Government borrowing went up again, reaching £17 billion last month, which is £2 billion worse than what the OBR expected. At the same time, activity is slowing, with retail sales falling for the first time since May. his shows that people are spending less as the pressure grows, and traders in both stocks and crypto, especially $BTC watchers, are paying close attention.
Consumer confidence also dropped to -19, which means many households are feeling unsure about the future. The big issue now is that the government needs to fix the gap in public finances while the economy is losing strength. Markets are watching closely because the budget must balance support, stability, and growth at a time when people are already pulling back.


#UKBudget #markets #economy #Growth #RetailSales