The concept of digital payment transfer is good. The bhim app intetface is very simple to use . Hardly I spent 5 mintues to understand about its featuers. This app is life saver for me. It offer money transfer by one to other bank, bank to bank. The money transfered with in seconds. But some time its not transfered money too quick mostely in night. We also check balance by simply tap on request balance. So its simple to use and pay money. Its very useful for everyone to transfer money to everybody without any hazzels. Love this app.