As I am using it currently its really useful application for cashless transcation such like money transfer, bill payments, recharges.
Some times I face some issue like payment not done but amount goes debited from bank acc and its take ling time like 8 to 10 days to credit back in bank account.But not daily issu.We can use one or more bank account at the same time that feature are not availble in some apps in this category. User can use it alternative to BHIM app.