I have recently started using tez for all my transactions.
And from then its my fav app for this.
Previously I was using paytm. And so most of the time I compate both the apps.
Paytm is a very good app for transfering money to any merchants, shopkeepers etc. However TEZ is good for transfering money to family or friends. As themoney gets transferred directly in to the bank account with 0% tax.
This is the most i.portant feature of this app.
Tezz also rewards its customers with scratch card, which on scratching rewards money of about ₹20 -₹500. It increases as the amount and no. Of transactions increases.
This makes it more attractive.
The only demerit is sometimes the transaction stops in its mid and creates a tension that when will the transaction will get completed or the money refunded.
I hope this help