This issue is raised around two things - using my credit card, and spending cash.
Firstly, with my credit card, not all transactions reflect in the next day or two, there are 'authorisations' and things like that, sometimes a transaction only reflects as long as a week afterwards. Often by then, if I have shopped at four different places on a Saturday, by the time I categorise those a week later, I can't remember what I bought at each of the four places, especially if their name is some 'MC Holdings' instead of the 'South Coast Checkers' sign above their door. So would I be able to manually enter in a note to myself, at the moment I'm spending, to say what I spent where. This note only needs to last a week or two until the actual card transaction is reflected, at which time I can 'tick' the note as captured. It just helps me to categorise delayed transactions more easily.
The other thing is spending cash. When you withdraw, it is reflected, and I know you can split that money to reflect your transactions. However, it's takes a little time (especially on the app) and isn't easy to do as you're standing at the counter. Also, if you're using the last R100 you drew last week and R250 from the R300 you drew yesterday, do you have to do two splits? And find which historical withdrawal that R100 note actually belonged to? I woudl love to be abel to quickly and easily note how much I spent on what, and at a later stage, go and reconcile that properly with the splits.
So I'm not suggesting a fundamental change to the way 22seven records transactions, just an added functionality to 'jot down' transactions quickly and easily, and then a prompt to reconcile them properly within the next week or so.