According to mobikwik service and support I give ten out of ten. I have a account in mobikwik and I use till six to seven month and belive me I dont have any complain. Basically I use mobikwik for bill payment, and after I use it I have say mobikwik service is the best service. and onething I have to added that mobikwik is user friendly. everybody use mobikwik very easily its not complicated. and if say about loading time its load in a very short time and very quickly. so this is one of the big reason I say that mobikwik is the best. I preffer all of you to join mobikwik.