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Why NFC on phones?
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Veritasium did a video about credit card payment and NFC payment :
https://www.youtube.com/watch?v=YSJY3DvnybE
I think it's a good opportunity to understand the capabilities and weakness of NFC.
I personally think QR codes are not very secure as anybody could replace it by a malicious one.
The way it is implemented in my country, the QR itself is just a standard QR code that tells your phone the recipient's phone number / upi address. So you could, say, replace a shop's QR code with yours and get any money customers send them, although it would be pretty easy for the police to find you.