As we saw in paytm advertisement paytm is the a new style of payments for our daily life. Initially I thought that what is paytm . what is mobile banking . but after using the paytm I can easily recharge, and transfer small amounts, and can surf the new products available in the market. What a app this is within 1 minute we can transfer, recharge . I want to suggest on one thing the rural people are not aware about and they worry about a fraud may occur while transaction . try to do some programmes regarding on the online payments .