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Digital payments platform PhonePe that has crossed 5 billion transactions, is leading on both functionality and user experience (UX) front among the key payment apps in India, a new report said on Wednesday.
PhonePe led the pack of eight digital payments apps — Axis Pay (from Axis Bank), BHIM, Google Pay, Mobikwik, PayZapp (from HDFC Bank), Paytm, PhonePe, and Pockets (from ICICI Bank) — with leading on both parameters, revealed global market research firm Forrester.
“PhonePe’s users can make one-time and future-dated person-to-person (P2P), person-to-merchant (P2M), and citizen-to-government (C2G) payments via a QR code or the recipient’s mobile number or bank details,” Forrester analyst Arnav Gupta told IANS.
“Its broad and deep digital ecosystem enable customers to obtain services, buy products, pay utility bills, and save money with offers and discounts embedded in payment task flows. PhonePe also offers a competent UX,” he added.
Bengaluru-headquartered PhonePe currently has over 175 million registered users in the country. It is accepted as a payment option across 80 lakh MSMEs in over 215 cities in India and over 56 per cent of its transactions are now driven by users in Tier II and III cities.
Forrester found that PhonePe does a good job of ensuring that customers don’t commit errors, and that they can recover if they do make a mistake.
“If customers undo an action, the information is not lost. PhonePe is the only app to provide context-specific text guidance within task flows. The app is stable and is free of technical glitches,” they mentioned.
To find out how effectively payment apps are meeting customer expectations in India, Forrester reviewed the functionality and user experience (UX) of eight Indian payment apps.
The team found that Paytm also does well in both functionality and user experience. Its comprehensive app allows users to obtain financial products and services, shop for products, pay for citizen services, plan travel, book event and entertainment tickets and order food.
“It integrates discounts and offers into payment task flows to drive loyalty and engagement. On the UX front, the app places commonly used tasks up front; uses good design so customers know which elements are interactive; uses clear language for payments so customers don’t get confused; and provides useful error messages,” explained Amit Bhatia, another Forrester analyst.
The other apps evaluated only performed well in just either functionality or UX. Google Pay, Mobikwik, and Pockets offer competitive functionality while PayZapp, Axis Pay and BHIM have reasonable user experiences, said the report.
With WhatsApp Pay soon arriving in India, Gupta said that as of now, WhatsApp’s whole proposition is based on the user experience and its large customer base.
“Players like PhonePe, Paytm and GooglePay need to be committed to offering superior digital experience and keep enhancing it. The customer and merchant network is something they’ll continue building over time,” Gupta told IANS.
The existing digital payments app need to rethink the whole loyalty and rewards play game.
“Google Pay’s simple yet effect loyalty programme has clearly seen success. Right now, all payments players are in an acquisition mode but soon, they’ll have to offer compelling reasons for merchants to stay and engage with them,” he emphasized.
Customer expectations are rising in India as established banks, new digital banks, payments firms, and tech vendors introduce more compelling digital customer experiences on their mobile apps.
This makes it crucial to focus payment apps on customer outcomes and find ways to make customer journeys as easy as possible. While most Indian apps offer strong payment capabilities, few implement payments well, said the analysts. (IANS)
The new medical colleges being opened in Uttar Pradesh will be named after saints and sages.
The state government has issued an order naming four district hospitals that are being converted into medical colleges.
These district hospitals are in Bijnor, Fatehpur, Chandauli, and Siddharth Nagar.
The Bijnor medical college has been named after Mahatma Vidur, a philosopher during the Mahabharata era and uncle of the Pandavas and Kauravas.
The Chandauli medical college has been named after Baba Keenaram, said to be the founder of the Aghori sect.
The Siddharth Nagar district hospital will be called Madhav Prasad Tripathi Medical College after the BJP politician from the region. Tripathi, popularly known as Madhav Babu, was also the first Uttar Pradesh BJP chief. He was elected MP from Domariyaganj in 1977, besides being two times Jan Sangh MLA and also a member of the UP legislative council.
The Fatehpur hospital has been named Amar Shaheed Jodha Singh Ataiya Thakur Dariyawn Singh Medical College, after the freedom fighter of 1857.
It is said that he was among the first to use Guerrilla warfare against the British, as taught by freedom fighter Tatya Tope.
Meanwhile, according to official sources, the medical college in Deoria will be named after Maharishi Devraha Baba and the medical college of Ghazipur in the name of Maharishi Vishwamitra.
The medical college of Mirzapur will be in the name of Maa Vindhyavasini, the medical college of Pratapgarh in the name of Dr. Sonelal Patel and the medical college of Etah will be named after Veerangana Avantibai Lodhi. (IANS/JB)
Keywords: Medical Colleges, Uttar Pradesh, Yogi Adityanath, India, Politics
Former Pakistan captain Inzamam-ul-Haq has picked India as the favourite to win the ongoing ICC Men's T20 World Cup in Oman and United Arab Emirates (UAE).
Inzamam feels that the Virat Kohli-led India have a greater chance of winning the trophy as the conditions in the Gulf nations are similar to the subcontinent, which makes India the most dangerous side in the event, according to Inzamam.
"In any tournament, it cannot be said for certain that a particular team will win' It's all about how much chance do they have of winning it. In my opinion, India have a greater chance than any other team of winning this tournament, especially in conditions like these. They have experienced T20 players as well," said Inzamam on his YouTube channel.
He said more than the Indian batters, the bowlers have a lot of experience of playing in the conditions. The Indian Premier League (IPL) was played recently in UAE and most of the Indian bowlers did well in that leg.
Inzy heaped praises on the Men in Blue for the confident manner in which they chased the target against Australia on a challenging track without needing Kohli's batting prowess.
"India played their warm-up fixture against Australia rather comfortably. On subcontinent pitches like these, India are the most dangerous T20 side in the world. Even today, if we see the 155 runs they chased down, they did not even need Virat Kohli to do so," he added.
Though he did not pick any favourite, Inzamam termed the India-Pakistan clash in the Super 12 on October 24 as the 'final before the final' and said the team winning it will go into the remaining matches high on morale,
"The match between India and Pakistan in the Super 12s is the final before the final. No match will be hyped as much as this one. Even in the 2017 Champions Trophy, India and Pakistan started and finished the tournament by facing each other, and both the matches felt like finals. The team winning that match will have their morale boosted and will also have 50 percent of pressure released from them," Inzamam added. (IANS/JB)
Keywords: India, Pakistan, Sports, ICC T20 World Cup, UAE.
Skin problems like itchiness, dryness and flakiness can occur anytime if you're not moisturising your body enough. It is commonly observed that while many people take their skincare routine seriously, a majority of them neglect to moisturise the body. It is important to keep in mind that timing matters a lot when it comes to applying moisturisers. Therefore, knowing the appropriate time to apply body lotion is essential.
Take a look at the ideal times to moisturise your body shared by Kimi Jain, Head of Retail, KIMRICA.
Moisturising the body in the morning sets your skin up to face countless irritants and environmental factors during the day. The skin is constantly exposed to harsh chemicals and pollutants when you're outside which is why using a protective and soothing moisturiser while going out is necessary. Kimirica's Five Elements Body Lotion comes with natural Aloe Vera extracts that act as a rich source of antioxidants and vitamins that helps protect your skin and provide a deep nourishing effect.
Moisturising the body in the morning sets your skin up to face countless irritants and environmental factors during the day. | Photo by The Creative Exchange on Unsplash
After showering, Shaving and Washing hands
After you take a shower, your skin has the maximum moisture and moisturisers work effectively on hydrated skin. That is why dermatologists always recommend applying moisturiser right after getting out of the shower. When applied early, moisturisers are able to trap some water that's still in the body and hydrate the body. Shaving not only helps you to get rid of unwanted body hair but also removes the surface skin cells. To soothe any skin irritation and protect the exposed skin from dryness, apply any hydrating moisturiser that gives your skin a natural glow. The increasing use of antibacterial soaps and hand wash takes a toll on your hand disrupting the natural skin barrier. To protect your hands from cracking and dryness, you can use the brand's Bouquet Hand Lotion that comes with a rich combination of sweet almond oil, Shea butter, grape seed extracts, Olive Oil and Jojoba Oil.
The increasing use of antibacterial soaps and hand wash takes a toll on your hand disrupting the natural skin barrier. | Photo by Nathan Dumlao on Unsplash
During and After Your Flights
Travelling makes your skin dryer, the reason being the low humidity and the recycled air inside. As body lotions are available in small sizes, it is advisable that you should carry your body lotion and apply it during your flight and once you land as this will help in combating the skin drying issue.
Research has shown that the skin effectively repairs itself from 10 p.m. to 11 p.m. That's why you should always make sure to moisturise your skin on or before this time. Also, it has been observed that the skin's trans-epidermal water loss increases during sleep which takes away plenty of moisture from the skin. So, all these reasons make it quite clear as to why you should always moisturise your body before going to sleep.
Research has shown that the skin effectively repairs itself from 10 p.m. to 11 p.m. | Photo by Aily Torres on Unsplash
Exfoliation is an important step in any skincare routine but applying body lotion post exfoliating is equally required. Exfoliating results in the removal of dead skin cells which makes space for a new layer of skin. Applying body lotion will help to soothe the top layer of skin and also strengthen the moisture barrier.
Applying body lotion will help to soothe the top layer of skin and also strengthen the moisture barrier. | Photo by Nati Melnychuk on Unsplash
Workout sessions are often sweaty and tiring but preparing your skin before stepping out is very important as exercising outside often leads to dryness. Applying light-weight body lotion before your session is recommended. (IANS/ MBI)
Keywords: natural, protect, moisturize, dryness, applying, lotion, skincare, hands, body