Hi, I am using Kotak Mahindra Bank mobile app from 2 years. My experiance is very good. As It has designed , any person can use it easlly. I complete my all banking needs with this app only . You can pay your all kind of bills , even credit card’s bill. I’m agree there is some technical issue but If you will always update this app and you have good Internet speed connection .will never face any problem. And the most important thing is that anywhere , anytime you can transfer your money instantly. I’m hoping my personal experiance will help you.Thanks !