Concept: - Airtel payment bank is a differentiated bank that provides essential financial service to its customers.this payment bank network presence across 87% of the country and covering more than 4 lakh villages and 5000 towns.Layout and design: -layout and design of airtel payment bank is much awesome.Features/Function: - your mobile number is also your bank account number. It gives 7.25% interest. For every rupee that you deposit, you get equivalent talktime. Free personal accident insurance cover of Rs One Lac. Withdraw cash at any of Airtel Banking Points.If you transfer money to any other bank account you have to pay 0.5% of the amount.At the time of withdrawal you will have to pay 0.65% of the amount.You will get a Virtual Debit Card to shop online, But a maximum amount of 1 lakh Indian Rupees can be deposited in a single account.Usefulness: -Quick and paperless account opening using Aadhaar based e-KYC. This requires no documents, only the customer’s Aadhaar number is needed.