I bought my Zoe wallet last summer and it has replaced my purse.  The only time I carry a purse is when I travel and then I tuck my Zoe wallet in my purse.  I love the length of the shoulder strap and the zippers work very well.  The only down side is the tight fit for credit cards.  I wish it were more square in shape to accommodate getting cards in and out of the slots.  Having an outside pocket w/safety strap for a phone would be very nice.  There are larger models in wallet-sized bags that have that feature, but they are generally much larger than I would like and defeat the purpose of a wallet bag.  I also own a small Zoe shoulder bag I use for travel.