Based on the user reviews, here are three cons and pros of the app: **Cons:** 1. "App crashes frequently, frustrating experience for users who rely on it daily." 2. "Limited features and functionality, not meeting expectations of some users." 3. "Technical issues and glitches hinder seamless performance and user experience." **Pros:** 1. "Easy to navigate and use, even for those who are not tech-savvy." 2. "Reliable and accurate service, providing valuable information to users." 3. "Convenient and accessible, allowing users to manage their accounts on-the-go."