A few things -
1) For it to be more private, right now everyone ends up with your bank details when they click your link to pay, which is fine if you're sharing it among people who you trust but I don't necessarily want anyone else to have my account number and sort code.
2) Related to the above - to have a unique username like with cash app so again people do not get a hold of your bank details.
Open banking is horrible with my bank to use with vibepay, it's easier for me to log on to online banking, add a recipients ACC/SC, go through phone security checks etc, and then transfer the money rather than click someone's vibepay link, which opens the vibepay app, then click to confirm their amount, then it leads to my banks website where I have to enter my details to log in, and then follow the above steps anyway etc...