Splitwise VS Session Messaging App

• User-Friendly Interface
  Splitwise provides an intuitive and easy-to-navigate interface, making it straightforward for users to add expenses, keep track of debts, and settle up.
• Multi-Platform Availability
  Available on the web, iOS, and Android, Splitwise ensures users can access and manage their expenses from almost any device.
• Expense Tracking
  The app allows users to easily log and categorize expenses, which can be particularly useful for group trips, shared households, or any shared financial responsibility.
• Flexible Split Options
  Users can split expenses equally, by percentages, shares, or custom amounts, providing flexibility in how costs are divided among group members.
• Currency Conversion
  Splitwise supports multiple currencies, which is handy for international travel or groups with members from different countries.
• Bill Reminders
  The app sends reminders for outstanding balances, helping users to stay on top of their payments and avoid forgotten debts.
• Integration with Payment Platforms
  Splitwise can integrate with payment platforms like PayPal and Venmo for easy settlement of balances.

Possible disadvantages

• Privacy Concerns
  Since Splitwise involves sharing financial information with others, there could be privacy concerns for those unwilling to share detailed expense data.
• Subscription-Based Features
  Some advanced features, such as expense exporting and additional integrations, require a Splitwise Pro subscription.
• Manual Entry Requirement
  Splitwise requires users to manually enter expenses, which could be time-consuming and prone to errors if not done diligently.
• Limited Automatic Reconciliation
  While Splitwise helps track who owes whom, it does not automatically reconcile or pay off balances, leaving users responsible for manual payment.
• Dependency on Group Honesty
  The accuracy of the expense records relies on the honesty and diligence of all group members, which may not always be reliable.
• Potential for Confusion
  The various options for splitting bills (equally, by shares, etc.) can sometimes lead to confusion or disputes among users over what is fair.

• Privacy-Focused
  Session Messaging App is designed to prioritize user privacy by not requiring phone numbers or email addresses for registration, reducing the risk of data exposure.
• Decentralized Infrastructure
  The app uses a decentralized network of servers, which makes it more resistant to censorship and points of failure compared to centralized messaging services.
• End-to-End Encryption
  Messages are secured with end-to-end encryption, ensuring that only the intended recipients can read the messages, safeguarding user conversations from potential eavesdroppers.
• No Metadata Logging
  Session claims to minimize the collection of user metadata, further enhancing user privacy as it reduces traceability and the ability to profile users based on their communication patterns.
• Open Source
  The app's code is open source, allowing the public to inspect, verify, and contribute to the app’s development, fostering transparency and community trust.

Possible disadvantages

• Limited Adoption
  Session may have a smaller user base compared to more established messaging apps, which could limit communication with a broader audience.
• Performance Issues
  Due to its decentralized nature, some users may experience slower message delivery times or connectivity issues compared to centralized apps.
• Feature Limitations
  The app may lack some features that are considered standard in other messaging apps, such as video calls or extensive media sharing capabilities, which could affect user experience.
• Unfamiliar Interface
  Users accustomed to mainstream messaging apps might find the interface and workflow of Session unfamiliar or less intuitive, potentially impacting ease of use.
• Dependency on Onion Routing
  The reliance on onion routing (similar to Tor) for message delivery can introduce latency and affect the overall performance of the app.

No analysis of Session Messaging App yet.

Splitwise - iPhone App Review! [2020]

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Tracking Splitwise since Mar 2021.

• Molly(Signal fork) has not been updated since 3 months and is vulnerable

  > Signal 501c3 is a centralized service. XMPP and Matrix are decentralized/federated. SimpleX is distributed. Session is a decentralized Signal fork that creates the account on the device without associating it with a phone number.... - Source: Hacker News / 14 days ago

• Registration without a phone number on Signal will use zero-knowledge proofs

  > 100% e2ee encrypted and decentralized and open https://getsession.org https://docs.getsession.org/contribute-to-the-session-network/running-a-session-node. - Source: Hacker News / 2 months ago

• UK Crime Agency Backs "Upload Prevention" Plan to Scan Encrypted Messages

  I find https://getsession.org/ and it's Tor-like routing quite interesting. - Source: Hacker News / about 1 year ago

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