P2P payment is a pain; PayTM solves it well
Arpit Agarwal

As one of the persons in the list, I concur that PayTM makes things very easy. But, I also think that it can be easier. Payment in a scenario like this needs to be pull based and not push. The receiver should be able to pull money by putting up a payment counter. Maybe something like Instamojo. Maybe another use case for Sampad Swain to look at.