Based on the users' reviews, here are the conclusions: **Pros:** 1. "Effective in detecting and preventing fraud, makes me feel secure with transactions." 2. "Intuitive interface and user-friendly, easy to navigate and set up accounts." 3. "Quick and responsive customer support, resolves issues efficiently." **Cons:** 1. "Some features may overlap, causing confusion and slowing down usage." 2. "Occasional bugs and glitches, requiring frequent updates and restarts." 3. "Limited international coverage, may not work with non-US credit cards."