I am using paytm payments bank app since many months back, but when I was opening the account in paytm payments bank, I was unable to open it and pending must be appear since many days. Paytm payments bank app must be need improvments. Paytm kyc center is not available in our location. I am trying for open it my bank account , but due to pending I was unable to do anything on it. The concept is very nice for online banking system, but this paytm payment bank in the beta stage, so they need lots of improvements. The layout & design is very attractive, but loading speed is little slower. In this payment bank, rupay debit card is also given, without taken any charges. This is very useful for online payments and transction, but account opening process is not working properly.