I am always hesitant in using apps having access to your account. But after several online surveys and analysis I decided to use Google Pay. It's is most popular Tez in youth. And it really work quite safely. You can receive and pay anybody from your Tez app. Moreover you also get considerable incentives .
Most useful feature hi our bills. Just register your bills like electricity, DTH and like services and these all will be paid from your registered account with Aadhar.
Important thing is that you need not pay the charges for account to account transfer of payments.
It is really a good concept introduced by Sundar Pichai the Google head.