Used to be a GREAT app, albeit with too many promotions and advertisements, now, Samsung decided, on their infinite wisdom, that MST was just not necessary and removed it, rendering it and their phones completely and utterly USELESS. For the most part... I still use it to pay for Starbucks but it's not nearly as comfortable anymore. Also, I HATE my new S22 Ultra, it's a downgrade from my old S20 Ultra, I hate it so very much, especially the absence of MST and Micro SD card. Samsung sucks.