Was just thinking about it last night…
I think two aspects are important:
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Ease of splitting the bill (tap on a payment notification, some kind of unique tap (double tap?) for splitting, select whom to split with, done)
-
Easy for friends to pay:
(i) if they are with Mondo, they could probably be just selected from the contacts, receive a notification, confirm, done
(ii) if they aren’t, there could either be an internal contact book for friends (so I don’t need to enter bank account numbers each time), or just enter their phone number/email, they receive a notification, they pay with a card/transfer/paypal
Another good solution would be similat to that of PaypalMe of Paypal, where you just give your unique short URL to friends (e.g. mine is paypal.me/543), and they just choose the amount and pay with a preferred method.
A nice to have would be a feature that would categorise only the part of a split payment I paid myself as expenses, not the whole payment.
A super nice to have feature would be that of taking a snap and reading the bill, then I highlight different items with my finger (as Google Translate does when you translate from pictures), and it automatically calculates totals and assigns to friends to pay.