QR Code - a machine-readable code consisting of an array of black and white squares, typically used for storing URLs or other information for reading by the camera on a smartphone., Deduct - subtract or take away (an amount or part) from a total, E-Wallet - a type of electronic card which is used for transactions made online through a computer or a smartphone, Fumbling - doing something awkwardly, especially when using your hands, E-Payments - electronic payments for transactions made on the Internet, Siphoned off - to dishonestly take money from an organization or other supply, and use it for a purpose for which it was not intended, E-Commerce - the buying and selling of goods and services, or the transmitting of funds or data, over an electronic network, Flinch - make a quick, nervous movement as an instinctive reaction to fear, pain, or surprise, Cash-based - used to describe investments, financial products, etc. that involve money rather than shares, bonds, etc, Cashless - using or operating with credit and debit cards and electronic systems, not money in the form of coins or notes, Shun - to avoid something, Lagging - moving or making progress so slowly that you are behind other people or things,

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