Yeh, I did notice you can click on the previous reference/message, but I almost accidentally sent money to Amex with no reference.
The problem with recent payees is they get bumped when they’re not so recent. Anyhoo, that’s crossing over into Is it possible to permanently save payee bank details?
This is more about looking up or validating common payees and the reference; and better integration - paying electricity provider could have the electricity provider’s icon/badge, and classify as bills/utilities in spending summary etc.