This is the almost perfect smartphone wallet.

Pros:
+ Phone pocket is wide enough to access phone easily
+ When the wristlet is used, the phone is held upright, so even if there is a snap-closure failure your phone won't fall out or get ejected into the street.
+ The wristlet strap clips onto its own D-ring as opposed to part of a zipper for example. No accidental opening of pockets and contents falling out.
+ The D-ring is located at the other end of the bag and the bag hangs balanced, and the phone can be accessed even if attached to another bag.
+ By adding an addition strap to the D-rig on one end and to the clasp on the other, this wallet can be worn crossbody. (This bag does not come with an additional strap. I already had one from a different bag)
+ The card wallet section is separate from the phone section, so the phone can be accessed while keeping the cards private and out of sight.
+ Extra space was designed into the "hinge-area" of the card flap so that when the card area is full of cards it will still lay flat against the phone section for closure.
+ The coin pocket is zippered and located on the back of the wallet so that it can expand outwards when filled with coins.
+ The closure is a snap closure and NOT magnetic so there won't be any accidental demagnetizing of other items in your bag.  This is an important feature as many credit card companies now only mail replacement cards to your registered home address. So if your credit card is accidentally demagnetized while you're on the road traveling, then it's almost impossible to get a replacement card to your location.

Cons:
- The main problem with this wallet and the reason I have to return it, is that the strap closure is too short.  The IPhone 4 requires a simple case to avoid the antennae problem.  And this design oversight does not allow the snap to snap at all when the 3 minimum cards are in their card slots. The only way for the snap to close is to 1) not have cards in the card section and 2) not use a case.  Then you still have to pull the strap slightly to get it to close.  Given all the thought that went into the design of this Smartphone wallet, it's hard to figure out why they did not design a longer strap not only to accommodate the IPhone, but also other smartphones that may be a bit longer than the IPhone. Extra space was designed into the width of the pocket so why not the height or the length of the closing-strap? I have ordered this in several colours and finishes both from Amazon and from other shops and all have the same short strap so it is not a manufacturing defect.
- It would have been nice to have an additional longer strap attachment to be able to convert this bag into a crossbody bag for times when you need to be handsfree.