I love the soft, unstructured nature of this wallet. Double webbing straps prevent it from slipping off your shoulder. The skin is quite thin but seems durable. The phone lives in the rear zipped compartment as the front ones are too small. It's roomy and has two inside zipped pockets which I like. Great wallet, great price. Glad I ordered it. Why four stars? Advertised as a shoulder bag. The straps are TOO SHORT and rub against the neck making it very uncomfortable. (I'm 5'3"). Haven't used it as a backpack yet. Rarely can I just grab my purse and put it on my shoulder. The straps are all over the place and need to be aligned and straightened. A lighter liner would make it easier , to see what's inside, and it usually takes both hands to open the main compartment The answer to the question "whether the folder is suitable" Photos added 4/30/18
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