even if bhim was a government app, there should be no incentive based programs that uses taxpayers money to promote it. upi is a platform open to private companies. they need to have a level playing field with the private companies. just manage the platform. bhim's existence is good. there is one general app managed by the technology provider. users are free to use any of the apps as per their choice. private companies giving incentives from their own pocket is their headache. bhim is essentially charging the entire population to incentivize some people. in other industries, this would be considered as a scam lol.