Some Personal User Experiences
vitalik.ca
vitalik.ca
I have to disagree here. In this day and age, if you want to win users you need both, it's not an either/or. The UI must be clean/sleek and it needs to work at 9 9's.
Meanwhile payment systems such as UPI, PIX, Paynow, MPesa, Wise are just chugging along with their hundreds of millions of users.
This really doesn't come as a surprise to anyone really.