I like it as it has a built in wallet area--that pouch, however is coming apart at the upper right hand corner so I need to get out needle & thread to reinforce it!  Other than that it is working our great.  I like that it has a nice, long adjustable handle so it can be a shoulder bag or cross body bag with every thing securely inside.  There is no change purse, but I have popped a nice flat one into the wallet compartment.