I use FriMi and I like it but there are some flaws.

I hate going to the bank, that’s why I like to use something like FriMi but still the topping up is pretty not easy and you have to go to a bank and not all banks got a cash depositing machine.

Plus I see it is still difficult as most people and stores are using FriMi. The network effect is still not there. But I hope it will get there someday.

Most of the apps from the government sector are below average and are like 5 years already late.