According to indian economist paytm is just like as bank. In online transaction paytm is at the top . While talking about banks particularly public sector banks are on backfoot. really I think that vijay shekhar sharma is a revolutionary man.
Great but number of things are their sir I just wants to say that "changing with time " is must because if you are not changing or modifying your business then your will be on back door in future. Try to get new think tanks to go further. Number of things can be done.
Short term investment by providing interest and many more and so on , so forth
But I think that sharma sir you are on the way of modi - make in India
last one application is not working properly in ipad .