I like to use mobile phones as to make cash transaction. So I am using paytm wallet from last 2-3 years to pay and receive money.
It is so easy to use, its concept is so clearly given in the app, which are how to recharge, send money, request money from our bank account, etc.
I think it is better designed than any other mobile cash wallet app.
Its features are easy to use like to pay another paytm user, receive money from another paytm user, send wallet money to bank, etc.
All-over this app is very usefull in our daily use.