“Well, first of all, you have to find this app that could be accepted anywhere when when you pay. I mean, you can pay with an app in a restaurant or in a supermarket, but in another one, it's not accepted. This app should be globally recognized. Let us say it like that.”

“At the moment, we're actually dealing with the issue of having a variety of cards and systems that run on different accounts. I sometimes get virtual credit cards, and all this combination means I sometimes lose track. I would really like to have a card that I physically have in my wallet, and that's perhaps stored virtually on my phone, or that I can always select on my phone. I could then not only set a default, but also say, "Maybe use the PayPal account first, or the credit card first, until it's empty, and then switch to another one," or maybe even see what advantages and disadvantages I have, or whether one card might be cheaper than the other. So, for me, the ideal situation would be to have everything electronically on my phone, secured there, with the physical card hidden as a backup somewhere in my luggage or in the hotel, and then be able to pay directly via my phone, and always have a direct choice as to which payment method is best for that particular location.”

“I feel like it would be easier to have everything in one place to, like, see how much you spend in the day to day life without the need to check, like, two or three different apps, like checking Wise, checking PayPal, and checking my bank account to see how much I spent rather than have it all in one app.”

“I mean, just understanding what your balance is and all the cards at any point in time is, would be fantastic if there was one spot, because at the moment I've got to go to three different locations to find out what the balances are. But apart from that, I can't see anything else. They're all tap and go sort of stuff for the smaller stuff, to authentication. No. As I said, it's mostly that general understanding of how much we spend on what card at any point of time.”

“So definitely should need Apple payment integration. It also would be great. It would be like an option to buy eSense for different countries. So you can even see, like, your your data and stuff inside your payment app. And yeah. Like, the ability to have multiple bank accounts linked to the same app would be nice too.”

“God. Wish list. I'm not I'm not sure. Look. It'd be fantastic if we had one card that did everything, and we can decide whether it's credit, debit, or pay straight away. But that would mean linking it to all our accounts and stuff like that. I'm not sure from a security perspective whether that would be good. I actually think what we have now works fine. As I said, if you had a wish list, you'd want one card that covered all three of them, and you can choose which one to use at any one at a time. That way you've got one card instead of multiple cards. But that's about it.”