Paytm is an app which is the most easiest and a friendfull type of atm.
This app can be considered as ATM only, as all bank tensions are stressed here only.
Around all the payment works from shopping to sending money from one bank to another is done on this app.
1. Movie tickets
2. Gas fuel payment
3. Mobile recharge
4. DTH Recharge
5. Shopping
6. Electricity bill pay
Etc.more things can be done on Paytm.
Shopping apps are being made for shopping separatly.
But Paytm has this feature also with fine rating.
The design is perfect and to use this app is also very easy.