Based on the users' reviews of the OTC app, here are three cons and pros: **Cons:** 1. "Glitches and errors happen frequently, causing frustration and wasting time." (15 words) 2. "Customer support is unresponsive and difficult to reach, leaving users feeling neglected." (15 words) 3. "In-app purchase pricing is unclear and confusing, leading to unexpected costs." (15 words) **Pros:** 1. "User-friendly interface makes it easy to navigate and access payment services." (15 words) 2. "The app is secure and reliable, with minimal issues with transactions." (15 words) 3. "The app offers convenient and seamless payment options for everyday expenses." (15 words) Please note that these are general conclusions based on a sample of user reviews, and may not reflect the overall opinions of all users.