- Most people use 1-10 apps per week, with 46% using 1-5 apps and 36% using 6-10 apps. However, 25% of installed apps are never used and 26% are abandoned after the first use. - Many companies have their own billing and payment apps for services like energy, telecommunications, insurance, and utilities. However, the document suggests people may be getting "fed up" with having to use so many different apps just to pay bills. - The document proposes using messaging apps like text messages and WhatsApp as a way to make bill payment easier and more convenient for customers by starting payments directly from the messaging platform they already use on their mobile device.