Hey, as mentioned below from my own experience about "PhonePe App" -
Concept:- About the concept of this app that to transfer and pay your bills, like DTH bill, electricity bill, mobile payments etc.
If we talk about their process of transferring of the payments, its fast as should be.
Layout/Design:- Design or UI(User Interface) of this app is very interactive for end user, and give more functionalities for them.
Features/Functions:- Many features are available in this easy and handy app like transfer money in bank A/c at one go, pay your bill hotels, Restaurant, Malls etc. by easy steps.
Usefulness:- If you pay your bills only by cash or by card so it may be un-useful to you, hold money in their "PhonePe" wallet consume storage in your device.
Hope you liked this unbiased and real view.
Thanks!