1. Convenience: Users like the convenience of Venmo, as it allows them to transfer funds from their bank account directly to their Venmo balance, and then use their Venmo card until their new debit card arrives.
2. Rewards: Users can earn rewards when they use their Venmo card at certain stores, such as Walgreens.
3. Friends: Many of the user's friends have Venmo, which makes it easy to pay people for miscellaneous purchases or goods/services.
4. Years of Good Experiences: The user has had an account for at least a few years now and has never had any huge issues.

1. Money sent to Venmo cannot be sent back to the original sender.
2. Account is frozen and customer support won't tell the user the issue with their account.
3. Customer support won't allow the user to speak with an account specialist over the phone.
4. It will take 5-7 business days for an account specialist to look into the user's account.
5. Poor customer service experience.
6. Zero safeguards for protecting the financial aspect of the app.

1. Increase security: The customer has expressed concern about the security of the product, as it is handling money. It is important to ensure that the product is secure and that customers feel safe using it.
2. Improve the privacy settings: The customer has mentioned that the social component of the product is cool, but that it can be intrusive if it is not set to private. It is important to ensure that customers have the ability to make their financial life private.
3. Reduce advertising: The customer has mentioned that there is too much advertising for the product's credit cards. It is important to reduce the amount of advertising to ensure that customers are not overwhelmed with offers.
4. Improve dispute resolution: The customer has mentioned that it is easy for someone to dispute a legitimate transaction and that the customer is left scrambling to prove the transaction was legitimate. It is important to improve the dispute resolution process to ensure that customers are not left in a difficult situation.
5. Improve recognition of debit cards: The customer has mentioned that the product does not recognize their debit card. It is important to ensure that the product is able to recognize all debit cards so that customers are not left frustrated.

Roadmap for Improving the App

1. Increase security measures to ensure money is handled safely.
2. Allow users to make the social component completely private.
3. Reduce the amount of advertising.
4. Create a system to prevent users from disputing legitimate transactions.
5. Make it easier for users to link their debit cards to the app.
6. Make it easier for users to find other users in the app.