Paytm is a whole good concept and it is first in this line so they have build a great trust amongst the consumers yes the concept is unique as well as helpful in making a idea of cashless economy succeed and this is allowing small traders and costumers both is a good way and layout and design of the app is very costumer friendly and has all the needed features which includes transferring money from P2P and transffering back to bank account and useful to everyone in daily lifestyle, yes it has little complications at times which are getting solved day by day, hope paytm team to solve all issues emerged yet and in future.