I started paytm app from last 3 years .it is nice app, in the beginning I used it for mobile recharge dth recharge using coupon code which give us cash back which is amazing. paytm wallet is also good u can add some money on it through your bank account which make u fast payment in case of emergency, hurry.Now it has expanded like having more features u can say digital bank, u can make fast cashless payment, u can see some shops have paytm QR code that means u can paytm them and support our country for cashless india.