I am a bhim app user. I have made two transaction directly via bhim app and found no benefit at all so I stopped paying through this app. It has less feature as compared to other online transaction app such as paytm, phonepe and Google tez. Also it has no cash back offer available. I have heard in news that transaction via bhim app will provide us cashback. But I found no offer shown in. Still I am providing it 2star in place of one because of its fast cash transaction. Hence overall app has some nice design but will fail in to attract people to transect via this app.