> It sends me notifications when money arrives or is spent. Scanning a QR code to pay for something is much less clunky than doing the same in a browser. And it integrates into my phone authentication system so I only need to scan my fingerprint to open the app instead of remembering a password and waiting for a one-time code.

All this is possible in browser nowadays. And scanning QR codes doesn’t have to be clunky – it’s just that developers are sloppy.