This is a beautiful app especialy for someone who pays all their bill online its like a blessing in disguise with one click you can pay all your bills unlike earlier we had to log in sites and pay. The transtions happen very smoothly and is very user friendly to operate, its also very good for buying movie tickets online its stress free. Have not bought airline and railway tickets through this app so I cant comment on that feature, but after the introduction of digital gold scheme its take its game to a another level. You can even buy one gram of gold as and when you have money and it will keep on accumlating . Though the only thing they have to improve is their call center customer service its worst than horribe you might never get connected and if you write a message or send a mail to them they wont revert back to you. I think they should seriousless work on this.