With a P2P payment app, you can send money straight to your friend's bank
account using your cell
phone, which makes it perfect for things like like
splitting utilities with roommates,
splitting the bill at a restaurant, buying concert tickets from Craigslist, and so on.
MIUI 8 introduces abilities such as
splitting a
phone into two separate
accounts, app cloning, and a host of other additions and refreshed designs.