Where do you work son? Wibmo. Eh? Wireless Internet Banking and Money. Ah. We do financial services for HDFC and 25 other banks in India and 10 abroad. HDFC ? Yes heard of them.

Coolest thing is the Pay Zapp App on the Wibmo plaform. Besides send money (to a mobile, bank, your electric company, recharge your phone etc), can send a txn initialted on your laptop to your phone. But Paytm has that... maybe but we can do the txn from your card with just your wibmo pin. With paytm need choose a card, enter CVV, the 3DS password... we do that stuff from your trusted phone using the phone and bank servers to save your trouble.