I totally recognise that struggle – the constant OTP loop and the awkward “who hasn’t paid yet” messages are exhausting. What helped me was moving all casual transfers and small merchant payments to a separate lightweight platform that doesn’t require full banking authorisation for every tiny transaction. I keep only a limited float there, so even if something goes wrong, my main account is safe. The real game‑changer was the notification speed and the ability to pay with just a PIN or biometrics, not a dozen SMS codes. For group expenses, I now create a shared “tab” and everyone can settle instantly. It cut my daily payment friction by at least 70%. I’d recommend checking out a service that focuses on speed and simplicity rather than all‑in‑one banking. For example, I’ve been using this one for a few months with zero issues: cowpay – it covers exactly the use‑case you described, and the interface is refreshingly clean. Give it a look when you have a moment.