The basic concept of Phonepe app is to make digital payments so easy, safe and universally accepted. Every time we forget our credit or debit card at home, we have to cancel a number of our plans and go back home disappointed. Not anymore. With the Phonepe app, all you need for shopping is your phone. This app gets synchronized with your bank account and makes all your payments safe and secure. The payments are made through your bank account without any of the cards. This easy and secured mode of payment is a great step towards cashless economy and a saviour in times of crisis.