The usage of phone payment apps has increased due to the need for more straightforward and safe payment methods. Using apps like PhonePe assures immediate transfer from a bank account as well as secured payment. The advantage of using an app like PhonePe is the ability to make payments to multiple parties. Anyone can make payments to the electricity board, landline, mobile recharge for postpaid and prepaid, etc. Many e-commerce sites have enabled the option to pay through wallets like PhonePe to make payments more manageable.