This purse is versatile. It comes with three interchangeable straps for different wearing variations. The smaller front pocket is a billfold wallet, compete with clear window for identification viewing. It also comes with a removable card holder in the second large pocket. It's very well made and not heavy to wear, making it a stylish item. However, I rate four stars for a couple of reasons that I found with the purse that made it less efficient. First, all of the zippers are on the same side and all the way at the bottom of the pockets. The zippers are larger and, in my opinion, bulky. I feel the purse would have been more efficient if there were two, smaller zippers per pocket; and they started at the top of the pocket instead of the bottom. Second, the pockets are not that big. Yes, they are long, but you cannot fit large or multiple quantities of things inside of it. The two large pockets are divided in the middle longways, so instead of the two large pockets being...large pockets, they are instead a total of 4 tiny width pockets.
For instance, I put a small calculator in one side of the divide of the middle pocket, and could not fit my phone in the other. I tried various positions and found the zippers would still not close.
If you do not carry a lot of items, this purse will be for you. As I stated, it's very well made and you can wear it multiple ways. It's just not for someone who would like to fit more than just her phone.
I recommend this product.