NPCI is the founder of BHIM app. It is the part of demonitization. It supports that we should do transaction online. If you have this app so you can transfer rasily. The concept to make this app is very simple. Indian Governments wanted to ban black money so every person needed one thing whixh can help many ways. So govt. Make this app. The design is very simple. Every person can run this app very easily. The functions are good like tranfer in bank account with ifsc and transfer to other UPI but some function could have enbuilt like tranfer to bank account with MMID and tranfer in aadhar. If we talk about its usefulness I am telling the truth in my city I have not seen any seller to use this app. They have paytm , POS and many thing but I did not see this.
