I will say the concept of launching such application is excellent. and after the ban of 500 and 1000 rs notes most of the people are using e-wallet. and paytm is one of the famous wallet among indians. I have seen almost every person is having this application in their mobile phones in metropolitan cities it is common. the layout and design of the application fulfills all the requirement a person can have. on a click your payment get processed. features are fulfilling the need of people. usefulness .i will say it is quite useful application as it made a step ahead for digital marketting. I m happy with the features and concept of this application.