Mobikwik is an app that is using like a walled .it bounces up for past few months if u connect ur debit/credit card to it u can but and do any thing through only transactions . its very simple to use and friendly atmosphere in it . but its not responding soo quick as paytm etc .and also not getting most cash backup too . its market is going on improving beccause of demonitization in inida .but its service is not soo good thats why many are avoiding its . ifit improves its performance defenetly it will reach peaks one day