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AppCrazy Publication

Volume 3 • Issue 6 • September 2016 • Pages 28 • `30


Cover Story

7fashion apps RE





for women on the go


know more about


Unified Payments Interface

Quick Look at

iPhone 7 iPhone 7 PLUS

PhonePe In Conversation with

Deepak Sethi, Co-founder & CEO


here is no doubt that mobile apps have made a life lot easier. Cashing in on this opportunity, the National Payments Corporation of India (NPCI), which is an umbrella organization for all retail payments system in India, has launched the Unified Payments Interface (UPI) to enable money transfers between two parties as easy as sending a text message from a mobile. UPI is a mobile-friendly payment option that eliminates the need of knowing or providing the bank details in order to send/receive funds. Presently, 21 banks have launched their UPI-enabled app on the Google Play Store. To know more about UPI and how it works, check out our Finance section on Page 14 and our detailed review of the Axis Pay mobile app (UPIenabled app by Axis Bank) on Page 16. This month our Cover Story is about 7 must-have fashion apps for women on the go. Well, when we think of shopping latest fashion wear and accessories online, the space is dominated by apps like Myntra, Jabong, or Amazon, for example. But, in this issue, we are talking about apps like Voonik (#personal stylist), Nykaa (#beauty shopping), and Roposo (#fashion inspiration) that have created a loyal userbase for themselves in a short span of time. Then there are new e-commerce players like Tata CliQ (#Tata Group), AJIO (#Reliance Group), and abof (#Aditya Birla Group) that have recently launched their apps to reinvent the way we shop. You must check them out! Next on our list is much-awaited iPhone 7 and iPhone 7 Plus. To have a quick look at specifications of both iPhone 7 and iPhone 7 Plus, check out our Smartphone CafĂŠ section on Page 24. The list is not over yet. There is a lot more to explore in the ever-growing world of mobile apps. Get your copy now! Appy Reading

7 Fashion Apps For Women On The Go In Conversation with

Deepak Sethi

12 14 Finance

Co-founder & CEO POM POM

Know more about Unified Payments Interface (UPI) and how it works.

26 24 Smartphone All-time CafĂŠ

Quick Look at iPhone 7 and iPhone 7 Plus

Favourite Apps Check out 17 must-have apps that are everyone's favourite


7 FASHION APPS FOR WOMEN ON THE GO #fashionista #shop latest fashion #buy makeup #international brands #unlimited choices #more than 50% off #delivered to your door #easy returns When it comes to fashion, apps and technology have made life a lot easier. Rather than spending an entire day shopping at the mall, we can now shop latest fashion anytime, anywhere. We no longer need to rush to the mall to buy a new shade of lipstick, a new dress, or a matching handbag and a piece of jewellery. We rounded up the best 7 fashion apps that are reinventing the way we shop. These apps guarantee to step up your sartorial game. Have a look!

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S H O P FO R Kurta/Kurtis Sarees Dress Materials Tops & Tunics Dresses Ethnic Wear Western Wear

Available on:

| Free

There are chances that you've already tried the fashion shopping app – Voonik and experienced its awesomeness. But just in case you haven't yet tried it out, here's what this outstanding app offers. Voonik not only offers the largest collection for women fashion at alluring prices, it also offers personalized shopping experience by curating products for your style preferences, body shape, and lifestyle. In other words, Voonik is much like your personal stylist, who helps you to find what really suits you and look your best, always.

Shop from a Personalized Feed of Products

Bottom Wear Footwear Lingerie/Sleepwear Beauty Bags & Wallets Accessories Jewellery Like it? Swipe right. Dislike it? Swipe left.

Plus Sizes


EXPLORE Stylist Collections Fashion Blogs Bollywood Celebrity Style New Arrivals Recently Viewed

The way Voonik app works is quite simple. Download the app, create a user account, take a style quiz and you're all set to explore the world of latest fashion. The app recommends you to take a style quiz that hardly takes a minute and has four simple questions like your preferred style sense, for example, ethnic wear, tops & pants, and skirts & dresses; skin tone; size; and body shape. You can change your style preferences anytime when you wish to in the app's settings. When you are all set to explore the world of latest fashion, the home screen greets you with a personalized style feed that

displays fashionable outfits based on your style preferences. You have to just swipe left to skip the outfit on screen and similar patterns, or right to like the outfit and see the similar results more. And tap to view the details. When you tap the outfit to view its details, the app quickly lets you WhatsApp it to family and friends so that you can get a second opinion. You can also tap the seller's name to view its catalogue. Every item listed on the app comes with short and crisp description that is necessary enough to take a well-informed decision. Moreover, you can see the number of fashionistas liked

Not sure? Take a friend's opinion

that item. Of course, you can also create your 'My love List' by adding products to it with one tap on the 'heart' icon. The app even creates your style statement based on your likes and sends you notifications when special discounts available on the items in your love list, or when new stock is added.

Best Price Guarantee

Before ordering any item, you can hit the 'truck-like' icon to check its availability and time the app would take to deliver your order. Shipping and Returns Policy is clearly mentioned within the app in a separate page. Multiple payment options are available, including Cash on Delivery. Cash on Delivery charges are applicable depending on your pin code. The best part about the Voonik app is that it offers Best Price Guarantee. The app scans all the shopping e-stores to find out the best deal on every product across all brands and applies the coupon automatically. You can see


Coupon Expires in 11 hours

a countdown timer running for every product that shows exactly the time left before the coupon expires, so you never miss out on any deal.

Shop Stylist Recommendations 29

Flying Jatt Stylist Collection Scroll down for 1146 Products

Wedding Wear Stylist Collection Scroll down for 302 Products

Another interesting feature of the app is Stylist Collections wherein it features hand-picked collection of attires to let you create the same look(s) that are carried by the actresses in the latest Bollywood flicks. For example, at the moment, it features the collection that is inspired by the look of Sonakshi Sinha in Akira movie, Jacqueline Fernandez in the movie – A Fying Jatt, and so on. Though the app is designed to be your personal fashion stylist and showcase fashion items from its catalogue based on your style preferences, still, you can browse its entire catalogue by category, such as bottom wear, accessories, bags & wallets, dress materials, western wear, plus sizes, etc. Multiple sort & filter options are available to help you narrow down your choices. Overall, if you love to be fashionable every day, Voonik app is for you. Go ahead! Grab it now!

Add Products to your Love List

Tap to view the Details

Enter your Pin Code to check the Delivery Details


STALK BUY LOVE new• fashion• everyday Available on:

Hey Gorgeous Girls! Meet StalkBuyLove – an online shopping app that brings you styles inspired by global trends and high-end luxury labels at attractive prices. Basically, StalkBuyLove is an online fashion label that claims to offer thousands of unique styles that are hard to find in India. Whether it's for a Sunday brunch, a night out with your gal pals, or just a casual movie date, it offers styles and prints for every mood and occasion.

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The moment you open the app, you can browse through its collection that houses different styles, designs and patterns to meet your every mood, whim and fancy. You can pick from stylish dresses, smart tops, casual trousers, trending co-ordinates, pretty skirts, hot beach wear and a lot more. Apart from clothing, the app also features a trendy collection of bags, belts, scarves, and hair accessories to make sure that you'll find everything under the same roof that completes your look. Moreover, to make sure that you put your best ‘fashion-foot’ forward, it adds new designs & styles that are in vogue, every day. What you may like the most about this app is that you can shop by trends (like street style, riverside, flower up, etc.), occasions (like a day out, glam night, or

the office) and styles (like off shoulder, just denim, sheer, fringes, fashion basics, etc.), and additionally, you can use usual filters like most popular, color, size and price to narrow down your choices. Other details like fit, design, fabric, styling tips, and user reviews help further in taking an informed decision. You can also add products to your wishlist and share your choices with friends. To sum up, StalkBuyLove app makes the latest fashion accessible at attractive prices, and it delivers products across India. Orders above Rs.1000/- entail no shipping charges. So, if you are an avid fashion lover, you must give this app a try to have an enviable wardrobe with the trendiest selection of clothes.

mobile app

hair care









Hey Beauty Shoppers! Welcome to the world of Nykaa! The one-stop beauty destination where you can not only shop for beauty and wellness products on the go, but also get access to beauty hacks, expert tips and videos on how to look and feel gorgeous always! With over 400 brands sourced directly from manufacturers or from authorized distributors, and 45,000+ well-curated products, Nykaa prides itself for offering a comprehensive selection of makeup, skincare, hair care, fragrances, bath and body, luxury and wellness products for both women and men. On top of that, the app offers various perks when one shop through it.

To enter into the world of Nykaa, all you need to do is sign up. Once your user account is created, you can explore a wide range of beauty and wellness products on the move. The home screen gives you one-touch access to ongoing offers, specially curated listings, beauty hacks and DIY videos posted by Style Divas, bestsellers at Nykaa, New@Nykaa, and product recommendations. The more you browse/shop the products, the more personalized recommendations you'd get. The videos feature a wide range of beauty advice such as how to prevent premature skin aging, how to use concealers, effective CTM routines, must-have lipstick shades, nail art tutorials and much more. You can shop for leading beauty brands at Nykaa, including Lakme, L'Oreal Paris, Maybelline, Neutrogena, Olay, Wella Professionals, Tresemme, Lotus Herbals, Forest Essentials, Gillette, Braun, Phillips and several luxury fragrances. You can narrow your search using sort and filters like category, brand, price, relevance and popularity. Moreover, every product comes with detailed description, including product use and user reviews so that you can make a well-informed decision. The app also recommends combos if available, which include products that you wish to buy so that you never miss out on any offer. Cash on Delivery is available among multiple payment options and shipping is free for orders above Rs. 500/- in value. Furthermore, Nykaa guarantees that it delivers 100% genuine products sourced directly from manufacturers

or their authorized distributors. Add to that, Nykaa offers its customers an ‘Easy Return Policy’, wherein you can raise a return/exchange request of a product within 5 days of receiving the order. You can also visit Nykaa's website to know more about its returns and replacement policy before placing your first order, so you know what exactly you can expect from Nykaa. To sum up, when you can buy your groceries online from the comfort of your sofa, then why not beauty products? So, what are you waiting for? Give the Nykaa app a try and most likely it will become your beauty buddy for life.

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Available on: Price: FREE Tata CliQ refers products as C.A.M.E.L.S. and assures to understand C.A.M.E.L.S. very well, whatever their breed – Westside, W, AND, Vero Moda, Fabindia, or Color Plus in apparels; HP, Apple, Philips, or Dell in electronics; Puma, Pavers England, Crocs, or Tresmode in footwear. There are over 400 brands available at the moment (including international ones like Oasis, Warehouse, s.Oliver, and Infinity to name a few) across apparels, electronics (including smartphones, tablets and wearable devices), and footwear.

Tata CliQ, launched by the Tata Group a couple of months back, is an e-commerce destination that vouches to sell only C.A.M.E.L.S. – that's Certified Authentic Merchandise Everybody Loves. And from my own shopping experience at Tata CliQ, I would like to say that the app makers are on the right track and delivers what they promise, but at the same time, it is a long way to go, considering the competition already available from established players like Myntra, Amazon, or say Flipkart. So, here's a quick review of the Tata CliQ app and what it offers.

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The uniqueness of Tata CliQ app lies in its first-of-its-kind concept called PHYGITAL. It seamlessly combines the best of the PHYsical (in-store shopping benefits) and diGITAL (conveniences of online shopping) to offer customers a PHYGITAL shopping experience, which means you can place your order online and choose to collect, return and exchange products at a brand partner's store near your location. There is a built-in store locator feature that guides you to the nearest store. To go PHYGITAL, all you have to do is select ‘Click and Collect’ as your delivery option while confirming your order. If in case you won't find ‘Click and Collect’ as a delivery option at the time of checkout, that means the service is not yet available for your pin code or selected brand. It is worth mentioning that PHYGITAL experience is available mainly for brands that have partnered with Tata CliQ to have their online storefront on the app. Presently, you'll find online stores for brands like New Look, FG4

London, Microsoft, ONLY, Philips, and Intex to name a few, in addition to large multi-brand retailers like Croma, Westside and Globus. The app promises a full range and newest merchandise of a brand, as against limited availability and dated inventory. Coming to the app's user interface, it is pretty neat and clean. You can discover products by category, brands, and deals. It also has a dedicated page for ‘Hot Now’ products. The app also lets you search for products using features like voice-search, visual search, and barcode scanner (this feature requires you to download a scanner app). Then there is a Que Magazine to know about the latest fashion trends. To ensure that you won't regret your shopping later, the app provides you with all the information, including brand, size guide, color, fit, warranty (if any), and seller information. Add to that, it offers free shipping benefits, 30-days hassle-free returns and a convenient cash-on-delivery payment option. Not just that, it also assures that all products are sourced directly from brand owners or brandauthorized sellers. All in all, Tata CliQ aims to be a PHYGITAL destination of authentic and exclusive brands for customers who are tired of sifting through catalogues of infinite products from unknown sellers.

Available on:



Aditya Birla Group's fashion app abof stands for ‘all about fashion’ and aims to be a one-stop shop for branded apparels, footwear and accessories. Best Part? The app offers 3D trial room that allows customers to try various outfits so that they can see how the outfit would look on their body type. So far, the 3D trial room feature is available only for women, but the company has plans to roll it out for men as well in the near future. According to the company, the return rates for products chosen via 3D trial are close to zero. The app also tells you about latest fashion trends, style hacks and tips to get that celebrity look. Add to that, it supports Visual Search – you can click and upload a picture to find similar products on abof.

Available on:


AJIO app, recently launched by Reliance Industries Ltd., aims to distinguish its portfolio through a mix of curated, exclusive global and local brands besides hand-picked handmade products. The global brands include MDS (#Singapore), Cross Jeans (#Turkey), Holster (#Australia), and Tally Weijl (#Switzerland) to name a few. The app also offers complete wardrobe solution through its in-house label named AJIO. Best Part? The app features curated capsule collections for various occasions, mood and styles in an easy-to-use interface. For instance, it offers collections like stories in print, flaunt that bump (for moms-to-be), miss workaholic, and so on. The app even suggests looks, let's say, you are browsing through tops, then it will suggest bottom wear, footwear and accessories that go with the top you're viewing. All in all, the app houses a really nice and trendy stuff that you must check out.


Available on:

With over 2 million users, Roposo app is the ultimate fashion destination for you to socialize fashionably, discover trends, inspire and get inspired. Best part? It lets you search for products with specific requirements, for example, you can specifically search for yellow crop-tops for women, or Little Black Dress for parties on Roposo. Furthermore, if you like a photo posted by a user on Roposo, it does the search work to help you buy the same or similar dress from across numerous fashion e-commerce portals. Currently, Roposo has tie-ups with 300+ websites. Another reason for you to give Roposo a try is that many Bollywood celebrities, TV actors, designers and artists have joined it to share their style and looks for various occasions to inspire you. The platform is meant for both women and men.

#TOO MANY CLOTHES AND STILL NOTHING TO WEAR SELL WHAT YOU LOVED & BUY WHAT YOU LOVE Check out the apps that offer a specialized platform to Buy and Sell Pre-owned fashion. These apps aim to connect sellers who wish to sell fashionable stuff from their own closets to buyers who are interested in buying pre-owned branded apparels and accessories at jaw-dropping prices.

CoutLoot Envoged


Free Free Free Know more about these apps in detail at





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re you still throwing out those empty cans from last night's party? Wait a minute! Did you know that recycling one 'aluminum can' saves enough energy to run a TV for three hours? It's the same with all the paper and packaging material you throw away. Recycling one ton of paper can save 17 trees! With that in mind, Deepak Sethi & Kishor K Thakur, the masterminds behind the successful 'Delhi Waste Management', launched Pom Pom, an app-based recycling platform that pays you for unwanted recyclable trash. It accepts nearly all kinds of recyclables with an aim to reduce the burden on landfills, keeping the environment clean, conserving natural resources and saving energy. In an email interview with Apps Unveiled team, Deepak Sethi, Co-Founder & CEO of Pom Pom Recycling Pvt. Ltd. said, “All the plastic shopping bags, glass & plastic bottles that we just throw away are 100% recyclable. Yet this material is not recycled and ends up choking a landfill that eventually leads to contamination of soil and water bodies, causing irreparable damage to animals, marine life and the environment. We believe that if we incentivize people to segregate waste at source, this problem could be solved to a great extent. We not only intend to ease out the process for our customers but also make them feel that they are contributing towards their society and Swachh Bharat Abhiyan by taking this one simple step of Recycling with us.” Edited Excerpts: Q. Pom Pom is your brainchild. How did you come up with this idea? Pom Pom was started in November 2015. Our experience in handling Delhi Waste made us realize that too much recyclable material is generated in Delhi, and a lot of this material gets contaminated when mixed with wet waste, and hence does not get recycled properly. We saw a huge potential in waste as there are so many recyclable items that corporates, households and other waste generators simply throw away and ends up choking a landfill. Instead, this waste has the potential to be a “Raw Material” for a factory owner. Add to that, we want all waste generators to get into the habit of storing their waste for RECYCLING in order to save our environment. Pom Pom offers an easy and convenient recyclable pick up service at your doorstep. We are a young and dynamic start up and we believe that waste is a line that really needs to be managed formally and a lot of training and awareness needs to be done at a grass root level. We feel that as population increases, it will lead to more consumption and overall levels of waste will only rise. Hence, an effective management system of this waste needs to be in place. In addition, we also feel that our PM's Swachh Bharat Mission can be successful if people segregate and

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think of recycling their waste. That is where Pom Pom aims to step in.

Q. Please tell us a bit about the Pom Pom mobile app and its key features. Pom Pom is an app-based recycling platform that helps you to dispose recyclable waste in a responsible manner at your doorstep, while paying you the best possible price for the same. Just call Pom Pom any time, share the details about the recyclables, your address and a suitable time for pickup. Pom Pom team will visit your place, electronically weigh the scrap and pay you in cash right there. Our app is available on iOS and Android.

Q. How one can initiate the transaction? Is there any minimum quantity of recyclables that you buy? You can book a pick up through the phone/web/app. Our recycling agent along with weighing scale will come to your premise at the scheduled time, pick up the recyclable waste material and pay you in cash right there, completing the transaction. We don't have any minimum quantity criteria, and we buy pretty much every kind of recyclable waste.

Q. What do you do after collecting recyclables from customers? After collecting the recyclable waste material, which has been segregated

at source, we once again go through a stringent process of segregation. After that, we invite people from various industries that use recycled material to manufacture new products, to come pick up the material. This is our first step towards a greener environment. Eventually, we want to set up our recycling plants for different categories of waste.

Q. Generally, people in India follow the practice to sell scrap or junk to a local scrap dealer. So, why one should prefer Pom Pom services over a local scrap dealer? Honestly, we are not competing with the local guys. If someone is selling waste to them and assured that it's getting handled correctly, that is absolutely fine! There are still many items that people throw away, not realizing that those items are recyclable. Recycling rates in India for many products are still low, so we see space for many operators. Also, there are many items that your local kabadiwala will not take because he doesn't see enough value in it. Pom Pom is happy to buy pretty much any dry recyclable items. For instance, we buy waste like used water bottles, shampoo bottles, plastic carry bags, toothpaste tubes, food cans, medicine bottles, jam bottles, tetra packs, paper bags, old books and much more. Also, we are authorized collectors of Electronic

Waste. You can check our Recycling Guide to find out what all we buy. In addition, we use digital weighing scales to provide the right value for the recyclables, ensuring the highest level of accuracy. We have a Quick payment system. We do Recycling Workshops and Segregation Training. Altogether, we have tried to make recycling as simple and fun as possible, ensuring that customers use our services. We want to bring about a real change in the mindset of people towards waste and that is what we are focusing on.

Q. What are the major challenges in your line of business? How did/do you overcome them? The biggest challenge is spreading awareness at a grass root level. Though people are now getting familiar with the idea of segregation, they still don't understand the entire supply chain of recycling in terms of what all can be recycled and how. Our challenge mostly lies in changing the mindset of people, making them aware about their waste and how they can segregate waste. As of now, most people don't know where their waste goes, thus they don't bother to segregate waste. We want to change that! That's why we conduct Recycling Workshops at regular intervals to create awareness among residents and school children. Through these workshops, we want to make them aware about the importance of recycling and how they can contribute to the environment with just one simple step of recycling.

Q. In your opinion, what are the new trends one can expect in the recycling business in near future? Any expectations from the Government? We believe that recycling market is going to get more formalized and transparent. This would bring in a lot of opportunity for people who want to set up a recycling plant. As of now, we only expect that government gives a big push to recycling and enforces the waste management law more aggressively.

MEET Q. As of today, Pom Pom is reaching to how many cities? What are your expansion plans? Currently, our services are available in South Delhi & certain parts of Noida. We see a strong upward growth in the next few years. As standards of living rise, and incomes increase, waste generation will only go up and need for recycling and better waste management will only increase. We want to expand to more regions of Delhi and even Gurgaon.

Q. Where do you see the Pom Pom app three years down the line? We see the Pom Pom app as one-stop recyclable solution for people who want to dispose their recyclables.

Deepak Sethi Currently I'm using iPhone My Favorite App picks: Flipboard, Inshorts, and FlightBoard I am a regular user of Google Maps, and Uber mobile app My message for Apps Unveiled Readers: Support apps with constructive criticism. There is a lot of effort that goes into building a new app, and the developer is working towards improving it every day.

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Are you ready to use UPI to transfer/receive money instantly with just a few clicks on your smartphone?


ndia moved a step closer towards becoming a cashless economy with the launch of Unified Payments Interface (UPI). The interface has been developed by the National Payments Corporation of India (NPCI), the umbrella organization for all retail payments in the country, with the aim to make money transfers as easy as sending text messages. UPI is one step ahead of the existing IMPS (Immediate Payment Service) as it allows you to transfer money instantly through UPI-enabled mobile app, without the hassle of registering the bank details of the recipient. All you need to know is the Virtual Payment Address (VPA) of the recipient (or say payee). And to receive the money through UPI, all you need to provide is your VPA to the payer. It is worth mentioning that both the sender and the recipient need to have Virtual Payment Address to do the transaction through UPI.

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HOW TO GET STARTED WITH UPI It's really simple. Just download one of the 21 banking apps from the Google Play store that supports the UPI platform.

Banks that are offering UPI-enabled app at the moment are: Andhra Bank, Axis Bank, Bank of Maharashtra, Bhartiya Mahila Bank, Canara Bank, Catholic Syrian Bank, DCB Bank, Federal Bank, ICICI Bank, TJSB Sahakari Bank, Oriental Bank of Commerce, Karnataka Bank, UCO Bank, Union Bank of India, United Bank of India, Punjab National Bank, South Indian Bank, Vijaya Bank and YES Bank.

IDBI Bank and RBL Bank are on-boarded as issuers. Customers of both these banks can download any of the UPI-enabled apps mentioned above and link their bank account. Other banks such as Bank of Baroda, HDFC, and State Bank of India will soon launch their UPI-enabled apps. Once you've the app installed on your phone, sign in to the app by verifying your mobile number, add your bank account, and then create your Virtual Payment Address (VPA) for the bank account that you've just added. You are also supposed to generate MPIN by following simple steps as a part of two-factor authentication i.e. mandated by RBI to ensure security. Keep this MPIN safe and secure as this will always be required to authorize the transaction on UPI. (Note: In simple words, MPIN works just like ATM PIN.)

VPA is somewhat similar to a username, which is unique to you. You can even use your name, phone number, or Aadhaar Card number to create your VPA, so for example, if your phone number is 1234567890, then your VPA could be 1234567890@axis (if your bank is Axis Bank) or 1234567890@sbi (if you're an SBI Bank customer), and so on. Best Part? In order to ensure privacy of your data, there is no account number mapper anywhere other than your own bank. This allows you to freely share your VPA with others. What's more, Unified Payments Interface allows customers to link all their bank accounts in a single UPI-enabled mobile application. This means you can set up multiple VPAs for multiple bank accounts in one app. Note: Though the UPI is designed to work on all operating platforms, i.e. iOS, Android and Windows, but the NPCI enabled it only for Android users in the first phase.

USES OF UPI Honestly, there are not too many use cases of UPI as of now, but in the next one or two months, at-least 10-15 e-commerce merchants will go live on UPI so that you can use it for online shopping as well. Online merchants including eBay, MakeMyTrip, Pepperfry, and Flipkart are said to be joining UPI network soon, along with BSNL, MTNL, and Idea Cellular for mobile bill payments. The Indian Railway Catering & Tourism Corporation, which operates the widely used train ticket booking website, may also join the UPI platform to offer customers an instant payment option. So far, person-to-person transactions are taking place on the UPI platform. Suppose you want to send money to your friend, sharing a bill amount – all you need his VPA to send him money instantly. It should be noted that you and your friend both should be on the UPI platform to make the transaction. This means you also need to enter your VPA to transfer money, in addition to MPIN. You can also request money from your friend by sending him your VPA. He will get the notification on his mobile, and then he has a choice to accept or decline your request. Note: We have reviewed the Axis Pay app step-by-step to help you understand the functioning of UPI and registration process. Please visit Page No. 16.

FINAL THOUGHT As smartphones become more and more powerful at low price points, we are now at a point where it's not unreasonable to think that the local grocery vendor from where you buy your daily groceries may just take your VPA and send you a bill at the end of each week or month through UPI. After receiving the bill notification on your mobile, all you have to enter is your MPIN to pay the bill. Since UPI offers mobile-friendly and flexible user interface, it could open up online payments for a huge number of people. This is a significant step towards becoming a Digital India and a cashless economy.

FAQs In case my mobile is used by another person, will there be any security breach? In any transaction through UPI, MPIN would be required to complete the transaction. So, no one can transfer the funds from your mobile without knowing the MPIN. Do I need to have a bank account to use UPI? Yes. You are supposed to add bank account and linked it to Virtual Payment Address (VPA) in order to send or receive money through UPI-enabled app. You can create multiple VPAs for multiple bank accounts in one app. Are there any charges for using UPI? Banks will charge you up to Rs. 5/plus service tax depending on your transaction amount. Anyways, this is what you're already paying for using NEFT/IMPS for money transfers. Is UPI launched to compete with digital wallets? Actually, NO! Both options can co-exist. While digital wallets can be used without a bank account and offer users attractive cashback offers and discounts on transactions, UPI requires senders and receivers of money to have bank accounts. According to Dilip Asbe, Chief Operating Officer of the NPCI, customers would use both UPI and wallets. “One segment wants to do fund transfer from bank account to bank account – that segment will rely on UPI. There will be people who want to use digital wallets for cashback and attractive offers from merchants – they will use wallets,” he said. Last updated 02.09.2016

September 2016 15


AXIS PAY Available on:

| Free

The UPI, which went live just a few days back, is interoperable between banks. So, it doesn't matter if you have an account with ICICI bank, or Axis Bank, or Punjab National Bank – you can download any UPI-enabled app from the Google Play Store to register for UPI. At present, there are 21 banks that offer UPI-enabled app. Here, one of our team members have reviewed Axis Pay (UPIenabled app by Axis Bank) step-by-step to let you know the registration process she has gone through to register for UPI using this app.

Step I Download Axis Pay mobile app from the Google Play Store.

Step II The moment you open the app, it displays the message after a quick tutorial slideshow that read “Axis Pay will send an SMS from your number to an Indian Mobile Number. SMS charges as per operator will apply. Please ensure that SMS is sent from the mobile number registered with your bank”. Note: For security reasons, Axis Pay app works only from the mobile device carrying the mobile number that is registered with your bank (any of the 21 banks that are offering UPI services).

Step III Click on ‘Proceed’, allowing the app to send the SMS from your number. The app sends this message to verify your mobile number. After that, you will be asked to enter your name and create 6-digit Passcode.

16 September 2016

Step IV After creating a 6-digit Passcode, you will receive a message that “You have successfully registered on Axis Pay”, followed by a welcome screen that tells you about the steps to follow. Tap ‘Start’ to continue.

Step V Click on the 3-Line menu icon at the top left corner of the screen to open up the options like manage accounts, manage contacts, change passcode and such.

Step VI Tap ‘Manage Accounts’ from the side menu to add your bank account(s). You can now choose one of the 21 banks that are on the UPI platform from the drop-down menu. When you select the bank the app will automatically display your bank account number and ask you to create your Virtual Payment Address (VPA). VPA is somewhat similar to a username or say an email address. Let's say, you are adding your Axis Bank account, then your VPA could be yourname@axisbank.

Step VII Once your VPA is created, the app asks you to enter the last 6-digits of your debit card and expiry date. After entering these details, you will receive an OTP on your registered mobile number that you are supposed to enter in the space provided. Plus, it asks you to enter MPIN as well. MPIN is your 6-digit Passcode that you've created at the Step III. After verifying OTP and MPIN, your bank account will be added successfully by the app. You are now all set to send/receive funds through UPI. Note: You can repeat the Steps VI & VII to add another bank account in the same app. This means you can set up multiple VPAs for multiple bank accounts in one UPI-enabled app.

September 2016 17


Step VIII Now when your bank account is added and VPA is created and linked to that account, let's understand how to send or receive money through UPI. Suppose you want to send money to your friend – click on the ‘Send’ icon, choose your bank account (if you've added more than one bank account), and then enter your friend's VPA, name and transaction amount. Confirm that the details are correct before entering your MPIN in order to complete the transaction. Yes, sending and receiving money through UPI is as easy as sending text messages from mobile. You can also ask for money from your friend – click on the ‘Ask’ icon, select your bank account to be credited, enter your friend's VPA and amount. Your friend will get the notification on his mobile for request money. He can now accept or decline your request. In case of accepting the request, he has to just enter his MPIN to authorize the transaction. You will then get the notification and SMS from your bank confirming the success of the transaction. Important Notes ü To send or receive funds through UPI, both payer and payee should be on the UPI, thus both of them should have a Virtual

Payment Address (VPA) linked to their respective bank accounts. ü You can transfer/receive money through UPI 24x7, including Sundays and bank holidays. ü Bank account is must to register with UPI-enabled app(s). ü At present, the upper limit per UPI transaction is Rs. 1 Lakh. ü UPI-enabled apps currently support only Android-based mobile devices. ü UPI's single-click two-factor authentication makes it a safe and secure payment option.


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18 September 2016

PhonePe Available on:

Flipkart owned Mobile payments start-up PhonePe Internet Pvt. Ltd. launched its app based on the Unified Payments Interface (UPI) platform in partnership with YES Bank.

| Free

PhonePe allows users to link their bank accounts securely to their smartphone using NPCI's encrypted libraries. Once linked, users can authorize money transfers or merchant payments instantly by simply entering their 4-6 digit MPIN. Money is instantly transferred directly from the sender's bank account to the recipient's bank account. There's no need to enter an OTP to authorize a transaction anymore. A transaction takes less than 10 seconds to complete.

Let's have a quick look at some of its key features: ü PhonePe app users can send or request money to friends and family, without knowing the beneficiary's bank account details. Users can transfer money to each other by entering a recipient's mobile number or their Virtual Payment Address (VPA). ü PhonePe app offers its customers a digital wallet that can only be topped up by refunds and cashback offers from any of its network merchants. ü It also offers bill-split, mobile recharge and utility bill payment features.

Speaking about the partnership, Mr. Rana Kapoor, MD & CEO, YES BANK said, “YES BANK is pleased to partner with PhonePe and flag off the UPI-based payments revolution in India. Building on the strengths of YES BANK's banking innovations and Flipkart group's leadership as India's largest e-commerce player, I am certain that this partnership will play a vital role in helping reduce cash in our economy and spurring the Digital Payments architecture in India” Mr. Sameer Nigam, CEO of PhonePe said, “Existing digital payment solutions such as netbanking, debit cards and digital wallets force Indian

consumers to choose between a highly secure or an easy payment experience. PhonePe offers an experience that is both 100% secure and lightning fast to use. And the best part is that now a consumer's money will always stay in their bank account - until they spend it”. According to the official press release, the 75 Million registered customers of Flipkart, Myntra and Jabong will soon be able to pay for all their online shopping using PhonePe as well. The app is currently available only for Android users and can be downloaded from the Google Play Store. The iOS version is expected to be live by late September.

September 2016 19


A Series of New Apps Launched by Cube26 under the new brand name 'REOS', including a Smart Bulb called Reos Lite. Cube26, an India based technology innovation company focused on making devices smarter, announced the launch of its new brand – REOS. With this new brand, the company plans to extend its data science capabilities across software and hardware products, making them more intuitive, accessible and easy to use for the new age, connected consumers. As a part of the Reos brand, the company launched a suite of smart apps in messaging, camera and music category. Along with the apps, the company also introduced a new variant of its smart bulb, named Reos Lite. This smart bulb can be controlled using a mobile application called Reos (lota) Lite available on the Google Play Store. You can buy this smart bulb from Flipkart for INR 1699. Speaking on the launch, Saurav Kumar, CEO & Co-Founder, Cube26 said, “We are on a mission to make devices smarter, both in India and across the world, and our plan is to do that by combining our powerful software capability with hardware innovation. The Reos range is a first step in this direction – with which we offer intuitive and smarter solutions that are build mobile first, and solve India's unique problems by using artificial intelligence and data mining in unique ways.”

Reos Message

Available on: Price: Free

Reos Music Available on:

Reos Message app is being touted to provide a seamless instant messaging experience with a sorted inbox. According to the company, “Reos Message app gives a whole new instant messaging experience for users on a single platform. The app utilizes the collective intelligence of all its users to prioritize the most relevant and actionable messages while reducing noise. The application has smart folders categorized into Main, Notifications & Promo that help users to automatically and intelligently categorize messages into distinct folders”. The app also comes with Instant Cards feature that allow users quick access to the information they are looking for. For example, it can extract only the PNR number out of a message from railways for a quick check in. Furthermore, the app also has Paytm integration for facilitating direct bill payments.

Price: Free

Identify Music that is playing around.

Reos Camera

Available on:

Price: Free

Reos Camera app aims to provide users an enriched photography experience by offering the best of photo editing features in one app. Highlighting one of the app's features, Reos Camera provides 'Artistic Filters' powered by Artificial Intelligence (just like Prisma app), which transform user pictures into artworks based on Indian themes. The app also lets users capture amazing time-lapse and slow motion videos. Not just that, it also offers live photo filters for a better photography experience.

According to the company, “Reos Music app combines all the capabilities of a native music player with additional features for online video content, radio and audio recognition technology”. The app is powered by a search engine, which enables users to quickly search the information about songs on the web. It also shows all the music videos that are currently trending across the web. Add to that, Reos Music uses audio recognition technology, enabling users to identify songs, artists and lyrics.

Available on: Price: Free

Meitu, one of the world's leading photo retouch and virtual makeup app developers, recently launched BeautyPlus Me on the Google Play Store in India. This new app is a lighter version of the popular selfie retouch app called BeautyPlus. Installed on more than 120 million mobile devices worldwide, BeautyPlus has become one of the world's most popular photo retouch apps. With the launch of its lighter version – BeautyPlus Me, Meitu anticipates to connect with a broader base of selfie takers in India, where limited phone memory and mobile connectivity often make it challenging to download and install too many apps. Designed especially for the Indian consumers, BeautyPlus Me app functions as a one-stop shop for 'makeup-in-your-pocket', allowing you to retouch your selfies effortlessly before sharing on social media. With the use of this app, you can erase blemishes, smooth skin, brighten eyes, whiten teeth, and add filters and special effects to your selfies. The app includes 18 photo filters, multi-face recognition for group selfies, special effects for background edits and a popular one-touch auto-beautification feature.


Available on:

Price: Free

You've probably already seen the magic of Prisma, an app that transforms your photos into mural-like artworks. Now an app called Artisto allows you to apply artsy filters to videos that are already in your gallery or shot from your phone through the app. Artisto, just like Prisma app, relies on neural networks and artificial intelligence to convert ordinary videos into works of art, following the styles of Van Gogh, Picasso and other great artists. As of now, the app supports only 10-seconds long video. For longer videos that are already saved in your gallery, you will be asked to select the 10-second sequence that you want to apply the filter to and the app does the rest for you. The app might take some time to apply the filter to your video, but when it works, it outputs genuinely beautiful videos that look like scintillating works of art. However, the choice of filters is limited. There are only 19 filters to choose from, at present.

Want to know more about Prisma app? Read our review at

September 2016 21


Google Duo Available on:

Google has finally launched Duo, its super-simple video calling app for Android and iOS, after the company first announced it at its I/O developer conference in May 2016. Think of it as Apple's FaceTime — Google Duo is designed for one-on-one mobile video calls and nothing else.

Price: Free

Google Duo isn't much different from the other video calling apps, except that it gives a video preview of who is making the call, helping the recipient decide whether to answer or not. Google named this feature – “Knock Knock”. However, iOS users will not receive a Knock Knock video preview from incoming calls unless Duo app is already open. The app requires only a phone number to register and offers end-to-end encryption. Plus simple one-tap calling and its ability to seamlessly handle your phone switching from Wi-Fi to cellular and back again without dropping the call make it easy to do a video call from anywhere. According to the Google, Duo is all about simplicity and quality. It's all about video calling. There are no frills, no knobs or dials to adjust, it just works.


Truecaller for iPhone Finally Gets Real-Time Spam Protection With iOS 10 Truecaller announced that the updated version of its iPhone app that runs on iOS 10, much like its Android app, can now warn iPhone users of spam calls in real-time. Truecaller implemented the new CallKit Extension API recently released by Apple to bring spam protection on iPhones. According to the official press release, “For any incoming call, the new integration allows Truecaller to automatically identify and display whether a call has been reported as spam or is from a reputable business. This greatly reduces the

22 September 2016

+1 (212) 790-4607 Truecaller Caller ID:

Spam - Political Robocall

need to manually search for numbers of unknown calls after a call is left unanswered.” “In addition to the improved spam detection, we are adding a new ‘My Block List’ feature which, for the first time on iPhone, will let you control exactly who can and cannot contact you.” iOS 10 users can enable this feature by following the simple steps:- Go to Settings -> Phone -> Call Blocking and Identification, and turn it on. Note: iOS 10 is compatible with iPhone 5 and later.

Remind Me




DigiLocker Available on:

Price: Free

The Government of India launched an app called DigiLocker that allows user to keep their important documents in electronic form so that they can access their documents anytime and anywhere. In fact, information and technology minister Ravi Shankar Prasad said on its Twitter handle that people can now keep the copy of their driving license and vehicle registration certificate in the DigiLocker, which eliminates the need to carry a physical copy all the time.

Signing up for DigiLocker is easy – all you need to provide is your mobile number, which will be authenticated by sending an OTP followed by selecting a username and password. Once your DigiLocker account is successfully created, you can voluntarily provide your Aadhaar Card number (issued by UIDAI) to avail additional services. To upload documents in the DigiLocker, the maximum allowed file size is 10MB, and it currently supports PDF, JPEG and PNG files. The app even allows you to sign any document uploaded in your 'Uploaded Documents' section using eSign feature. eSigned copy will get saved in the PDF format, with the option to share it with others. What's more, DigiLocker app has also partnered with CBSE for issuing digital mark sheets to 2016 Class XII

students. Students who have registered their mobile number with CBSE would receive their DigiLocker account credentials through SMS, while those who don't have their mobiles registered with CBSE would need to create a DigiLocker account. Undoubtedly, this is the great initiative by the Government of India, but at the same time, scammers are already out there to exploit the service. When you search for the DigiLocker app on the Google Play Store, you'll find too many confusing results. In fact, some of the fake apps even used India's national emblem and PM Narendra Modi's photo to confuse the users. So make sure not to fall into the trap and download the genuine one. It is recommended to visit to access the download link of the DigiLocker app and FAQs.


Pokémon Go for Apple Watch Announced

Since Pokémon Go's release, it has been downloaded more than 500 million times around the world and trainers have collectively walked over 4.6 billion kilometers while playing the game. But the popularity of the game is not the only reason to bring it to the Apple Watch. The idea behind releasing the game on the Apple Watch is to allow people to have fun, catching Pokémon characters without being stuck to their phone. Pokémon Go app on the watch will bring the game's best features to your wrist: you will be able to hatch eggs, see nearby Pokémon, and interact with Pokéstops to collect items. The app will also provide useful insights like distance travelled, time spent, and calories burned.

September 2016 23


The most significant changes on the new iPhone include an upgraded camera, a new home button and the removal of the 3.5mm headphone jack. Quick Look at

iPhone 7 & iPhone 7 Plus Common Specifications Jet Black with high-gloss finish, Black with matte finish, Signature Silver, Rose Gold, Gold 32GB, 128GB and 256GB Note: The new Jet Black colour variant will not be available in 32GB iOS 10 Quad-Core Apple A10 Fusion chip Both new iPhones come with EarPods with Lightning connector to deliver incredible sound, as well as a 3.5 mm headphone jack adapter so that you can use your old headphones and accessories.

Pricing and Availability Both iPhone 7 and iPhone 7 Plus will go on sale in India on October 7, 2016. The pricing revealed by Apple for new iPhone 7 and iPhone 7 Plus in India are as follows:

iPhone 7 − 32GB: ` 60,000 128GB: ` 70,000 256GB: ` 80,000 iPhone 7 Plus − 32GB: ` 72,000 128GB: ` 82,000 256GB: ` 92,000

24 September 2016

Last updated 15.09.2016

With iPhone 7 and iPhone 7 Plus, Apple has replaced a physical Home button with a touch-sensitive, stationary Home button. It works in tandem with the new Taptic Engine to offer precise tactile feedback as you press.

12MP Optical image stabilization

iPhone 7 Specifications


Height x Width x Depth: 138.3 x 67.1 x 7.1 mm

FaceTime Quad-LED HD camera True Tone flash


Weight: 138 grams iPhone 7 comes with 4.7" Retina HD display (1334 Ă— 750 pixel resolution) with a wide color gamut and 3D Touch. It runs iOS 10 out-of-the-box, and is powered by Apple's 64-bit A10 Fusion chip with four-core CPU. The processor has two high-performance cores and two high-efficiency cores for a longer battery life. According to the company, iPhone 7 will give at least 2 more hours of battery as compared to iPhone 6s. For the first time, iPhone comes with stereo speakers, delivering two times the audio output of iPhone 6s and increased dynamic range. Bidding adieu to 3.5mm headphone jack, Apple has introduced EarPods with Lightning connector in iPhone 7. Furthermore, iPhone 7 is also water and dust resistant to an IP67 standard.

iPhone 7 Plus Specifications Height x Width x Depth: 158.2 x 77.9 x 7.3 mm Weight: 188 grams The iPhone 7 Plus is similar to the iPhone 7 in terms of specifications, but it comes with a bigger screen, i.e. 5.5" Retina HD display (1920 x 1080 resolution) with a wide color gamut and 3D Touch. Add to that, iPhone 7 Plus features dual 12MP cameras on the rear, and offers an extra hour of battery as compared to iPhone 7.

iPhone 7 Camera iPhone 7 sports a 12MP primary camera that comes with optical image stabilization, an Ć’/1.8 aperture and a six-element lens along with Quad-LED True Tone flash, allowing you to capture more detailed photos and videos in low light, and advanced new features like wide color capture make your photos look more vibrant. iPhone 7 lets you shoot high-resolution video up to 4K. Apart from 12MP primary camera, it also features 7MP FaceTime HD Camera with wide color capture.

Wide-angle lens


Telephoto lens

wide-angle and telephoto cameras

Optical zoom at 2x Digital zoom up to 10x

iPhone 7 Plus Camera TWO CAMERAS THAT SHOOT AS ONE iPhone 7 Plus features the same 12MP wide angle camera as iPhone 7 and adds a 12MP telephoto camera that together offer optical zoom at 2x and up to 10x digital zoom for photos (and 6x digital zoom for videos). That means you can get higherquality zoom from farther away. Talking about the front-facing camera in iPhone 7 Plus, it is the same 7MP FaceTime HD Camera with wide color capture as iPhone 7.

September 2016 25

all-time FAVOURITE APPS Daily Curiosity This is a must-have app for ones who enjoy reading interesting factoids in their spare time. iPhone/iPad | iOS 9.0 | Free Android | 5.0 | Free

SHAREit SHAREit app is cross-platform transfer tool that lets you share huge file between any iOS, Android and Windows PC/Phone devices in the room over Wi-Fi direct. iPhone/iPad | iOS 7.0 | Free Android | OS 2.2 | Free Windows PC/Phone | Free

Talking Encyclopedia for Kids A great app for children to learn about different countries, animals, human body, musical instruments, monuments and a lot more in a safe and friendly audiovisual environment. Android | OS 4.0.3 | Free

Kids Place Get this Parental Control app to create a safe and protected digital learning environment for your kids on your smartphone. Android | OS Varies | Freemium



This app summarizes day-today news from all over the world in just 60 words or less. It also supports Hindi language.

With this keyboard app from Google, you can use Google Search right from your keyboard – no more app switching; just search and send, right from your keyboard.

iPhone/iPad | iOS 7.0 | Free Android | OS Varies | Free

CamScanner It is a must-have app to easily scan, store and share documents on the go! iPhone | iOS 8.0 | Freemium Android | OS Varies | Freemium Windows Phone 8 | Free

Yousician A great app to learn and practice piano and guitar at your own pace. iPhone/iPad | iOS 7.1 | Freemium Android | OS 4.4 | Freemium

Verne: The Himalayas This app lets you explore the Himalayas as a 500 foot Yeti named Verne. You can run up Mt. Everest, chase yaks, discover bits of information, ride a jetpack, play Himalayan instruments, and more. Android | OS 4.4 | Free

26 September 2016

iPhone/iPad | iOS 9.0 | Free

First Moms Club (FMC) This app is like a social network for Indian moms where they can share their stories, experiences, and help each other. iPhone | iOS 8.0 | Free Android | OS 4.0.3 |Free

My Incredible Body Take a ride through the human body to experience how blood flows, how brain works, or how the body does its swallowing and digesting. All in all, it is a human body guide with 3D images and videos that offer great learning for both parents and children. iPhone/iPad | iOS 6.0 | Paid

Prisma It offers unique photo effects that make your ordinary photos look like paintings from famous artists such as Picasso, Piet Mondrian, or Vincent Van Gogh, for example. iPhone | iOS 8.0 | Free Android | OS 4.1 |Free

Swiftmoji This keyboard app simplifies the painstaking process of finding the perfect emoji for every message. It predicts emojis as you type your message. iPhone | iOS 9.0 | Free Android | OS Varies | Free

Tinycards This app from Duolingo helps you learn anything that involves memorization, for example, vocabulary in different languages, country capitals, history facts, or geography. iPhone/iPad | iOS 8.2 | Free

Color Switch This game is a perfect example of easy to learn but difficult to master. With over 100 million downloads worldwide, this game is already popular. Give it a try! iPhone | iOS 7.0 | Freemium Android | OS 3.0 | Freemium

Dropbox Paper Dropbox Paper is an online tool that allows fast-moving teams collaboratively create and edit documents on the go. iPhone/iPad | iOS 8.1 | Free Android | OS 4.4 | Free

Peak Think of Peak as a gym for your brain. It offers a daily brain-training session to help exercise core cognitive abilities.

Android | OS 2.3 | Paid

iPhone/iPad | iOS 8.0 | Freemium

Windows PC | Paid

Android | OS 4.0 | Freemium

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Apps Unveiled September 2016  

There is no doubt that mobile apps have made a life lot easier. Cashing in on this opportunity, the National Payments Corporation of India (...

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