Paytm. ejng a mobile application is used for money transfer , also used as a wallet , you can even recharge through it pay bills book movie tickets , and transportatiin tickets as well
I kinda like this application for personal use and I use it to pay money to vendors as well , the only thing is they need to work on the user interface and bring it more alike rest the application is of great use as paytm has moved their hands to small shops medical shops etc so we can use it to pay the bills for the stuff you buy paytm also has their own mall that is you can shop for items like you do on flipkart amazon etc and can find it more usefull bcz you dont have to use cash and carry much of it now