I have been a user since July 2019 and you crank up points very quickly, the experience overall is decent but I am certain it will improve overtime. I have been frustrating by what the major banks offer with debit card and banking experience so having Point as new actor in the game trying to resolve this is very welcome. Of course it's not perfect, there are few bugs here and there. I hope the team keeps their laser focus on the core experience before adding new features, this could turn out to be one of the best service out there in months/years to come. So keep up the good work. Merci!