Why Bhim App Is Bound To Beat Paytm And Other Mobile Wallets

WIth digital payment platforms becoming popular, there is demand for platforms that are clutter-free, secure and most of all, free. BHIM app fits the bill.

- Adeesh Sharma

The BHIM (Bharat Interface for Money) App is a not just another ordinary mobile app but a kind of mobile wallet that does not store money on its platform. It links directly to your internet-enabled bank account and helps transfer money from one account to the other. It uses the Unified Payments Interface (UPI) platform developed by the National Payments Corporation of India (NPCI) and this gives it the edge to connect 36 nationalised banks to its platform.

Simple interface with minimum clutter 

Since the BHIM app has been promoted by the Govt of India, developers of the app have kept only those features that one is ever going to use while making digital payments. You can access all the essential features from the home screen itself. On the other hand, the interface of Paytm wallet and even other mobile wallets puts too many features in one place and the fact they have the ecommerce platform integrated does not help in locating and understanding their features in one go. This becomes a hurdle in widespread adoption by the masses, especially those who are not too well-versed with smartphones or even computing. However, what goes in favour of Paytm is that the app itself looks quite modern and fresh but looks too focused on youngsters rather than people of all age groups.