I have always been using paytm. But after the demonitazion happened I was a little troubled as everyone was already running out of cash and it had become problematic for petty expenses for example buying vegetable, paying my driver or autowala and sometimes even buying a tea or vada pav from junk food stalls as I cannot transfer them money through online banking or cannot give tham cheque. But thank God Paytm for me is like a Knight in shining armour which literally saved me from this anxiety of mine. And its so user friendly also;)