Simple payee selection

Each of us certainly uses paying by phone every day and I know that most UI banking applications are not user-friendly so much. So I tried to suggest a simple payment process and collecting the payee. This solution is used in apps like Revolut or other revolutionary banking apps. Easy connection with users or recent payees, the possibility to add an avatar or naming. Simply search for the recipient by name or enter the account number. I check the payment summary and send, for example, by using a face ID. Do you like it? and what do you say about the controls in finger reach?