undefined | Better HN

0 pointsSai_2y ago0 comments

India has payment apps which are going the way of super apps by allowing you to

1. Make p2p payments

2. Pay utility bills

3. Pay credit card charges

4. Buy insurance

5. Get loans

6. Make charitable donations

7. Book travel tickets

8. Find nearby stores, store timings, get directions, and see their ratings

9. Send and receive short messages

Unless “we” and “elsewhere” doesn’t include India, I’d say superapps are more common than you think.

0 comments

madeofpalk2y ago

Maybe I don't know what an 'everything' app is, but this just sounds like a banking app to me (with the exception of the last 'feature').

Sai_OP2y ago

When the App Store was launched, most apps had a single backend they connected to. I’m thinking of say the FB app or the Google maps app which only talked to Fb and Google respectively.

These payment apps integrate with a much wider arrays of backends from multiple providers and allow you perform many more unique use cases. E.g., making charitable donations and paying an insurance premium are unrelated but the Indian payment app I’m thinking of enables it.

This brings it closer to being an “everything” app.

flexagoon2y ago

We also have banking superapps in Russia - and even more. I still wouldn't say that's an "everything app", all of those features are related to payments and they can be in a banking app.

Sateeshm2y ago

PayTM? Just because an app has all these features doesn't mean people actually use all the features.

j / k navigate · click thread line to collapse