Why don't you also launch a WEBAPP for your services? Some people (perhaps only a few) wouldn't like to be held hostages by apple or google in the not so distant future. Besides I always felt more comfortable taking care of my finances only through my desktop and never through my mobile phone.

Thanks for your future reply, if any...

PS If I was to enlist in your services, since I am European and not Asian, could I still have a UnionPay card instead of the mastercard you - by default - provide to your western clients?