Problem: as a rule, bankers' mobile applications are too overloaded with various unnecessary functions, such as paying utility bills, paying a bill for a legal entity, investments, and a piggy bank. It feels like they wanted to put all their products into the app at once. And to send from card to card between countries, this is very difficult to do, because you need to enter a lot of data. Individuals mainly use 2 functions: transfer from card to card or by phone number.