Since We end up making payments to One time Merchants quite often (think Uber, OLA or just buying something with UPI from places we don’t necessarilyvisit often)
I believe it would make much more sense to see the most frequently paid rather than the most recent ones, so payments we repeat every month (like rent, bills, shops close by that deliver frequently, shops we visit ofter, friends/roommates/family we generally split bills with) naturally float to top.
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