I use it to scan and pay multiple times a day. You can't use any other methods to scan and transfer money to personal accounts, like Bolt riders, Grab delivery riders, most small restaurants and sales stands.
I also use it to get cash from ATMs without having to carry my card on me.
The transfers are instant, so I can pay my rent or others bills without delays.
And the exchange rate + fees when using foreign cards in ATMs will eat a big chunk of your money, over time.