Paytm is the best online wallet for me.There is great population of paytm users in India.It promotes cash less India.It provides a medium between buyer and seller to make their deals online.You can also order products on Paytm.It provides some cashback in your wallet.It is the only online wallet that I can trust.This app is not fake.You can aslo book tickets of movies, trains, air flights, buses, etc., On this app. You can also pay bills, recharge in your moblie or transfer money to others.Everything in this app is hopefully well maintained.Now lets talk about its concept, funtions/features, usefulness and layout & design of this app.CONCEPT: -its concept is very good you just have to recharge, pay bills or other related thing and you will get cashback.FEATURES: -its features are also nice.You can book tickets.You can also order producrs.LAYOUT AND DESIGN ARE BLUE AND WHITE IN COLOUR.IT LOOKS ATTRACTIVE.USEFULNESS: - I think this app is very useful for online paymenters and e- bankers.The best part is that you can earn profit of cashback via recharges.