Thanks for sharing your story and for the thoughtful feedback BukhariH! We thought a lot about the current players and offerings in the space, and came to similar conclusions about some of the pitfalls.
That being said, we have made two observations that we are looking to explore by launching Atlantic Money:
1. By deliberately going the super-app route, and trying to be something for everyone, super apps are crappy user experiences, and they aren't a very strong business (outside of south-east Asia).
We are looking to be a focused product, and are committing to not building a bunch of additional features into our app over time that customers probably don't want and are likely going to make the experience adversarial.
2. Super apps are not targeted.
We believe that costs can pile up if you don't have a target customer. Our thesis is that we want to be a very good option for customers moving larger sums of money, and we've explicitly focused on that segment in terms of corridors, and our fixed pricing.
We'll see how it goes with the launch, but would welcome any feedback - either here, or feel free to reach out directly.