{
  "type": "tweet",
  "id": "2039315616067162399",
  "url": "https://x.com/richardturrin/status/2039315616067162399",
  "twitterUrl": "https://twitter.com/richardturrin/status/2039315616067162399",
  "text": "The IMF has a MUST-READ report covering Southeast Asia’s (SEA’s) QR-based digital payment revolution that is transforming cross-border payments, promoting local currency usage, and boosting trade and inclusion.\n\nHumble QR payments, born in China back in 2014, are now changing all of SEA and especially Thailand, a local leader in digital payments, including CBDC.\n\nThe IMF reports domestic QR payments are exploding throughout the region: 300% growth in Thailand, 550% in Malaysia, and 467% growth in the Philippines, all for 2023-24.\n\nBut what is happening now is even bolder as QR payments have just begun to go cross-border to reduce cost and time on Asia’s astounding 32% global share of cross-border transactions.\n\nTo do this, Asia is connecting QR payment systems to allow bilateral real-time transfers in a collaborative effort between governments, who built the real-time payment networks, and local private payment providers.\n\nThe drive for these connections is driven by tourism, with intra-ASEAN tourism accounting for 42% of all visits, and the region’s financial backbone, SME businesses.\n\nSMEs benefit from cross-border QR payments in two ways:\n\n↳ Expansion of their market reach into new countries.\n\n↳ Establishment of a digital payment footprint that can be used to assess creditworthiness and bring greater inclusion.\n\nAnother key point is that these cross-border transactions use local currency and avoid the risk of using US dollars and currency shocks.\n\nRead on for more QR correlations and to download the report......\n\n#fintech #tech #finserv #AI\n@BetaMoroney\n@efipm @BrettKing\n@spirosmargaris\n@jasuja\n@enricomolinari\n@mikeflache\n\n https://t.co/DMBvW13dfM",
  "source": "Twitter for iPhone",
  "retweetCount": 39,
  "replyCount": 26,
  "likeCount": 105,
  "quoteCount": 6,
  "viewCount": 91026,
  "createdAt": "Wed Apr 01 12:15:06 +0000 2026",
  "lang": "en",
  "bookmarkCount": 56,
  "isReply": false,
  "inReplyToId": null,
  "conversationId": "2039315616067162399",
  "displayTextRange": [
    0,
    280
  ],
  "inReplyToUserId": null,
  "inReplyToUsername": null,
  "author": {
    "type": "user",
    "userName": "richardturrin",
    "url": "https://x.com/richardturrin",
    "twitterUrl": "https://twitter.com/richardturrin",
    "id": "942963521905553408",
    "name": "Richard Turrin",
    "isVerified": false,
    "isBlueVerified": true,
    "verifiedType": null,
    "profilePicture": "https://pbs.twimg.com/profile_images/1581847259326472198/tNyqumSU_normal.jpg",
    "coverPicture": "https://pbs.twimg.com/profile_banners/942963521905553408/1721184871",
    "description": "",
    "location": "Shanghai",
    "followers": 8085,
    "following": 1365,
    "status": "",
    "canDm": true,
    "canMediaTag": true,
    "createdAt": "Tue Dec 19 03:43:17 +0000 2017",
    "entities": {
      "description": {
        "urls": []
      },
      "url": {}
    },
    "fastFollowersCount": 0,
    "favouritesCount": 22901,
    "hasCustomTimelines": true,
    "isTranslator": false,
    "mediaCount": 9297,
    "statusesCount": 40334,
    "withheldInCountries": [],
    "affiliatesHighlightedLabel": {},
    "possiblySensitive": false,
    "pinnedTweetIds": [
      "1523148266417795073"
    ],
    "profile_bio": {
      "description": "Author | Influencer | #Asia | #China | #CBDC | #Dedollarization | Speaker | Consultant | More: https://t.co/Ek0swQExIq",
      "entities": {
        "description": {
          "hashtags": [
            {
              "indices": [
                22,
                27
              ],
              "text": "Asia"
            },
            {
              "indices": [
                30,
                36
              ],
              "text": "China"
            },
            {
              "indices": [
                39,
                44
              ],
              "text": "CBDC"
            },
            {
              "indices": [
                47,
                63
              ],
              "text": "Dedollarization"
            }
          ],
          "symbols": [],
          "urls": [
            {
              "display_url": "richturrin.substack.com",
              "expanded_url": "http://richturrin.substack.com",
              "indices": [
                95,
                118
              ],
              "url": "https://t.co/Ek0swQExIq"
            }
          ],
          "user_mentions": []
        },
        "url": {
          "urls": [
            {
              "display_url": "richturrin.substack.com",
              "expanded_url": "https://richturrin.substack.com/",
              "indices": [
                0,
                23
              ],
              "url": "https://t.co/j97rO4ndHv"
            }
          ]
        }
      }
    },
    "isAutomated": false,
    "automatedBy": null
  },
  "extendedEntities": {
    "media": [
      {
        "display_url": "pic.twitter.com/ATBvfL1Jkv",
        "expanded_url": "https://twitter.com/richardturrin/status/2039315616067162399/photo/1",
        "ext_media_availability": {
          "status": "Available"
        },
        "features": {
          "large": {
            "faces": []
          },
          "orig": {
            "faces": []
          }
        },
        "id_str": "2039315613210812416",
        "indices": [
          281,
          304
        ],
        "media_key": "3_2039315613210812416",
        "media_results": {
          "id": "QXBpTWVkaWFSZXN1bHRzOgwAAQoAARxNGr7WVqAACgACHE0av4CXER8AAA==",
          "result": {
            "__typename": "ApiMedia",
            "id": "QXBpTWVkaWE6DAABCgABHE0avtZWoAAKAAIcTRq/gJcRHwAA",
            "media_key": "3_2039315613210812416"
          }
        },
        "media_url_https": "https://pbs.twimg.com/media/HE0avtZWoAACkzP.jpg",
        "original_info": {
          "focus_rects": [
            {
              "h": 672,
              "w": 1200,
              "x": 0,
              "y": 0
            },
            {
              "h": 675,
              "w": 675,
              "x": 263,
              "y": 0
            },
            {
              "h": 675,
              "w": 592,
              "x": 304,
              "y": 0
            },
            {
              "h": 675,
              "w": 338,
              "x": 431,
              "y": 0
            },
            {
              "h": 675,
              "w": 1200,
              "x": 0,
              "y": 0
            }
          ],
          "height": 675,
          "width": 1200
        },
        "sizes": {
          "large": {
            "h": 675,
            "w": 1200
          }
        },
        "type": "photo",
        "url": "https://t.co/ATBvfL1Jkv"
      }
    ]
  },
  "card": null,
  "place": {},
  "entities": {
    "hashtags": [
      {
        "indices": [
          1542,
          1550
        ],
        "text": "fintech"
      },
      {
        "indices": [
          1551,
          1556
        ],
        "text": "tech"
      },
      {
        "indices": [
          1557,
          1565
        ],
        "text": "finserv"
      },
      {
        "indices": [
          1566,
          1569
        ],
        "text": "AI"
      }
    ],
    "symbols": [],
    "urls": [
      {
        "display_url": "buff.ly/OATEsgw",
        "expanded_url": "https://buff.ly/OATEsgw",
        "indices": [
          1655,
          1678
        ],
        "url": "https://t.co/DMBvW13dfM"
      }
    ],
    "user_mentions": [
      {
        "id_str": "1175377309676781568",
        "indices": [
          1570,
          1582
        ],
        "name": "Tony Moroney",
        "screen_name": "BetaMoroney"
      },
      {
        "id_str": "117780256",
        "indices": [
          1583,
          1589
        ],
        "name": "Dr Efi Pylarinou",
        "screen_name": "efipm"
      },
      {
        "id_str": "14883821",
        "indices": [
          1590,
          1600
        ],
        "name": "Brett King #TheFuturists #OptimalHumanity ✈️",
        "screen_name": "BrettKing"
      },
      {
        "id_str": "2711212681",
        "indices": [
          1601,
          1616
        ],
        "name": "Spiros Margaris",
        "screen_name": "spirosmargaris"
      },
      {
        "id_str": "14158067",
        "indices": [
          1617,
          1624
        ],
        "name": "Monica Jasuja",
        "screen_name": "jasuja"
      },
      {
        "id_str": "75673231",
        "indices": [
          1625,
          1640
        ],
        "name": "Enrico Molinari #VivaTech2025",
        "screen_name": "enricomolinari"
      },
      {
        "id_str": "184020744",
        "indices": [
          1641,
          1652
        ],
        "name": "Mike Flache",
        "screen_name": "mikeflache"
      }
    ]
  },
  "quoted_tweet": null,
  "retweeted_tweet": null,
  "isLimitedReply": false,
  "communityInfo": null,
  "article": null
}