The concept of the app is that it is like a e wallet the app is very average in every aspect as it does not work most of the time . on one instance my money got deducted and bill was not paid . most of the time the app fails to make a payment which is not good as you compare it to others . the app takes a lot of time to process transactions and the features which are provided needs a lot of improvement and the app is not useful as it is very buggy