Home page should be user friendly, have login section, How To and what for sections, information necesary for a new comer to understend what he can do with all this staff. PayPal is a good example
One new page has to provide clear understanding of benefits for a wallet holder, like paying in internrt shops (the same as Paypal) or paying telecom, TV, utilities bills and much more directly from personal cabinet.
The third page - Registration, currently a little cumbersome, should be easier for a person, Necessary data for registration: e-mail, login, password, confirm password, transaction password, confirm transaction password, mobile number (not mandatory). Errors must be easily Identified on page, immediate verification of unique fields (e-mail, login)