BHIM is work on UPI platform. Its a very usefull application for ur banking system. BHIM introducesd by indian government. BHIM has many important features like payment systems, money transfer, online shopping. BHIM has strong security features. U can also generate ur QR code for money transfer nd payment. Its basicly linked from ur mobile no and Aadhar card and pan card also. Motive of introduces BHIM by indian government is for caseless payment. Its a very usefull application for small bussiness man or any industry. BHIM also have some complent in features. I will give 4.5 star for its features and working process. And UPI platform is very easy to use.