Nowadays, instead of paying with cash, cheque, or credit cards, a consumer can use a cell phone to pay for a wide range of products and services. With mobile payment technology, people can also send money to friends or family members by scanning a QR code on an app. Payment information is encrypted during transmission, so mobile payment is thought to be a safer payment method than paying with a debit or credit card. 1. A customer can use ____________ to pay for products and services instead of paying with cash, cheque or credit cards. 2. With mobile payment technology, people can send money to friends by scanning a ____________.