anyhow. here are a few problems i have with bhim.
NPCI is a private company.
Which makes BHIM/UPI a private venture.
So when government spends money on advertising something, giving away freebies to promote it... It annoys me because they are spending tax money on a private project.
BHIM asks for way too many permissions. They might have fixed it now or maybe they are explaining the permission requirements a bit more... But it is still managed by NPCI which is not very trustworthy.
BHIM has 10K per transaction and 20K per day limit. Which mocks the Rs. 1 lakh limits of the UPI technology. So even if your bank support transaction of Rs. 1 lakh in one go, you cannot do it on BHIM. This is stupid.
Companies like
PhonePe have invested a lot on this platform. By bundling BHIM on all
smartphones, you are hurting them. They offer a better quality app with more features and more offers and a significantly better customer care team.
If today they are urging for BHIM, tomorrow they would urge for PMO app. JioPhone is already going to bundle Modi's own personal app which is already pretty fucking insane for a phone that would cost the government I assume Rs. 270 rupees in GST per unit sold.