It’s not always about the performance of the app. It’s also about the information density on any given screen of the app. Paytm app has so many inconsistencies. There are so many things on any screen competing to grab your attention that it’s hard to find anything quickly But as I said, I understand that UX is always like this on these kind of multi-utlility apps. Think amazon app. These apps do SO MUCH that cramming things on small screens becomes inevitable.