When Modi ji started encouraging cash less transactions the best app I found was paytm, where you can pay any bill sitting at home and the ease of usage is damn good. If money has to be transfered it hardly takes two minutes to transfer, application is provided in multiple languages so that a basic litterate can use this app with minimum knowledge.When money is transfered it is accounted immediatly.
Till date it is the best app I have encountered.When it comes to shopping recently I was searching for a product in other ecommerce site there the price of the product was 180 rupees and delivery charges are 80 rupees then I checked the same product in paytm delivery charges were only 17 rupees, and the delivery was quick.I am loving this app.