First thing is it is owned by google so where we listen name google then we k ow its secure and it is more efficient from other to deposit money to bank directly and ut is easy for everyone. Now a days india become digital lots of application are avilable for money transfer but ut is most preferable by all because it is very easy and link with bank account and also UPI so we dont need to go so far foe banking eork and featyres are very easy to understand for any age group so I think its best applicatuon ever for tansfer money and bankong system.