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Table 9 Examples of reviews on aspects of the business model of each app

From: Exploring the determinants of the user experience in P2P payment systems in Spain: a text mining approach

App

Review

Bizum

"Free and works for all banks (unlike other options). The chat lacks a bit of fluidity, but nothing serious."

"Hopefully they implement that when you do and they make you bizum you see who you have sent it to in the expenses, because if you do not have to see the notification in case of receiving, and in case of sending I have not yet found out how to know who I sent it to a bizum. Otherwise, everything is fine."

"Fast, practical and safe operation, I love bizum!"

Twyp

Incompatible with bizum, all my friends and family have bizum, bizum is more universal, so this app is useless… When it is compatible I will download it, otherwise I will try to find other alternatives….”

"So that my friends pay me, without any commission. I can also send it to my bank account without any commission up to a maximum of 999 euros, it's great"

"All of our friends have worn it (well, almost all of them…) and it's great and fast!!!!!"

Verse

"Incredible application. More useful than the famous Bizum. If you enter the following code they give you €5 FREE: NDZDD7"

"Instant transfers, all free, there are no commissions and very transparent. A very careful platform. I see myself using the app every day with my friends."

"I love an alternative to banks! Free without commissions and with games from time to time highly recommended, fast and simple"

  1. Source: Own elaboration