“…Apart from domestic inter-bank transfers, it also has a Globe feature, namely a remittance feature, which can now bridge transfer access to 50+ destination countries; can be used for other purposes; application features are now more complete, which include e-wallet TopUp, credit purchases and payments, data packages, insurance, electricity, water, internet, TV, and others [17]. Judging from the many advantages of this application, of course there are several disadvantages, such as: limited application access time, not 24 hours; a self-verification process required at the beginning, which is quite complicated because you need a photo of yourself and an ID card; and the transfer process is a bit slow, as complained about by users with reviews on previous apps [18]. Apart from that, there are several inappropriate incidents that users have experienced regarding Flip, namely the existence of fake customer care and frequent fraud in the name of financial applications.…”