Digital payment is the payment made through online and digital mediums when products are bought through various online Platform. Both the payer and payee must be the user of the digital payment platforms in order to send and receive money. In the context of Nepal, one can see that the use of the digital payment system is increasing day-by-day, especially during the post-COVID scenario.

Digital payment has proven itself to be the best alternative for the traditional method of payment i.e. via cash and cheque. It, also, has made it easier for the individuals and companies to clear their transactions effortlessly, sitting in one corner of the room/ office with few clicks.  

Currently, in this post-COVID scenario, the number of digital payment transactions is surging along with new online portals and platforms. Various banks and financial institutions (BFIs) have developed their own applications and websites promoting digital payment. Besides the banking sites, the widely used digital payment platforms are E-wallets such as E-Sewa, Khalti, IMEpay, Enetpay, etc. In present, as the other businesses are facing downfall, the business of the digital payment platform is escalating. E-Sewa is the oldest and most popular E-wallet comprising of 3 million users launched in 2009 AD. And, Khalti is emerging E-wallet launched in 2017 AD.
The introduction of different applications such as connectIPS, fonepay, etc. have eased the digital payment system and the digital payment process.

Due to the risk of contagion and spread of COVID, currently, several individuals prefer online transactions be it the purchase of goods or payment of goods and services or receipt of income and salaries. This has led to dramatically increase in the usage of e-wallets such as E-sewa, Khalti, etc. , mobile banking, e-banking, etc. for payment of internet bills, utility bills, balance top-up, online shopping, etc. 

Likewise, many companies are also carrying their business out of harm’s way. Different business transactions such as payment to suppliers, salary to employees, etc. are handled through online bank transfers. 

The major advantage of rising digital payment transactions is- the government revenue is increasing as tax is imposed on every transaction that is made through digital mediums. Also, it has fast transaction speed and the threat of theft is reduced as our money is digitalized. 

As the digital platforms are attracting lots and lots of customers today, different sectors, from vegetable, fruits, and other perishable product sectors to automobiles and gadgets, people are entering the digital platform with digital showroom and digital sales.

 

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There are thousands and thousands of applications for both iOS and Android smartphones. With the growing use of smartphones and the Internet, apps  from banks to e-commerce platforms to daily life usage apps, these all apps have become an important part of our daily life. Here is a list of the top 5 Nepali apps for the ease of your daily life.

5 Best Nepali Apps for your phone

Hamro Patro 

Hamro Patro is an online calender with many features other than showing date. Remembering both A.D and B.S date gets confusing some times. Hamro Patro enables user to see both B.S and A.D date simultaneously not only that Hamro Patra enables users to see the latest news, exam routines, zodiac signs etc. 

 

 

Features: 

1. Smart feed in Apps's home screen which can provide forex rates, commodity prices, loadshedding schedule, horoscope, weather and lot more just at a glance.

2. Festival and Event details.

3. News can be personalized as per user's preference. 

 

Daraz

Daraz Online Shopping App is a must have in your smartphone. With the tagline "Happy Shopping" Daraz brings wide range of products, different brands, offers right in your palm. Daraz is a convinient way of shopping right from the comfort of your home. Daraz is also organizing 11.11 sale which is one day sale taking place on November 11.

 

 

Features:

1. Instant messaging for your queries.

2. Voucher discounts.

3. AI based personalized feed to help you get what you are looking for.

4. Easy returns and refunds. 

 

eSewa/Khalti

Carrying cash is considered outdated in many countries like China or US. Paying via digital wallet is in trend right now. Carrying cash possess many threats like robbery or pick pocket. Yes, robbers can take away your phone but atleast your money is secure in your digital wallet. Imagine carrying large amount of money and you get robbed. Digital wallets are the safest way to carry and pay money. 

 

 

Features:

1. Easy Bill payments. Pay for utilities, recharge their mobile, pay internet bills, EMI, school fees, credit card bills and many more form their mobile.

2.  Instant, secure and hassle-free online payments.

3. Accessable from both Internet and Mobile App.

 

Foodmandu

Ordering food has been and always be a nuisance. whether it be screaming your order into your phone through the ear-piercing background noise of the restaurant or incomprehensible verbal skills of the host who always seems to mess up orders.           

But now, thanks to the convenient on-demand food delivery apps, you no longer need to go through the struggle of calling to order food. With just a few taps on your phone, you have access to hundreds of restaurant menus to choose from which arrives right to your doorstep. No more fighting over who picks the restaurant as you can even order for different restaurants, making sure everyone is happy.  

 

 

Features:

1. Simplified and easy searching of restaurants and cuisines

2. Integrated Google Map for accurate delivery

3. Ability to mark favorite restaurants for easier access

4. Near-Me functionality which suggests locations to let you explore local restaurants, with the ability of sorting and filtering based on your input

5. Exclusive discounts on many restaurants both dining in or ordering

 

Tootle/Pathao

With inconvenient-cum-congested public vehicles and overpriced taxis, apps like Tootle and Pathao seem to help solve this problem by providing a ride-sharing app, allowing you to connect with bike riders willing to share their two-wheeler.

These companies have undergone a lot of criticism and debate, and while we do not take a stance on that matter, the convenience and cost-effectiveness they have brought must be brought to the spotlight. By simply clicking on your screen you can have access to any destination you want -as long as it's within Kathmandu Valley- and reach your destination whilst gliding through the busy city street.

 

Notable Features:

1. Track your Journey in real time using an integrated map

2. View details of previous rides: location, rider details, cost, etc.

3. Ability to pay using online methods by transferring balance into your account

 

Pathao:

1. Complete Breakdown of cost

2. Apply various promo codes to get discounts, in our experience promo codes are sent 3-4 times a week.

3. Ability to set home and work locations for faster and easier service

4. Get notifications of traffic jam ion certain areas, which helps in deciding the optimum route.

 

 

Tootle:

1. Ability to choose gender, making sure you are comfortable with the rider

2. Allows others to track your ride to make sure you get to your destination safely.

 

 

We can find lots and lots of apps in Google Play Store. Among them,there are plenty of apps, that are not so famous and are unknown but are very useful in daily life. We tracked down some of the unique but useful android apps for your phone. 

10 Best Unique and Useful Apps for your Android Phones

SplitCloud

First one in the entry is a kind of wacky but useful one. There are times when you need to share an earphone with others. But one may not be interested in the genre or song other likes or is listening to. SplitCloud android app is a unique music player in the sense that it allows you to play two songs at the same time. While two songs are playing one song plays from left earphone while the other song plays from the right. Now you don’t have to listen to mellow songs your girlfriend listens to when you only love metal or vice versa with this unique android app.

 

Crono

Phones has become notification hub for all of us. Notifications from social medias, emails, messages everything comes to our phone. But while we work those notifications are a big distractions. Crona android app helps, solve this issue by transferring all the notifications to our PC. All you have to do is install Crono App in your phone and Crono app extension in the Chrome browser, after logging in with the email id, app asks you to scan the QR code provided by the extension and you are all set. This app will send all the notifications you get to the chrome where you can view and if necessary interact in the phone. This unique android app also allows you to transfer files to and fro from your PC and phone as well as share your clipboard to your device.

Extention for Chrome: Crono

MIUI-ify

Display of the phones is getting larger and larger and to pull down the notification and settings bar you need to stretch your thumbs to the extent that it feels it might break. MIUI-ify android app solves this issue by simply adding a notification bar at the bottom. All you have to do is slide up from the bottom edge of the display to access the notification bar. You may also choose to keep the notification bar on the left or right side of the phone and customize as per your liking.

ScreenshotGo

Screenshot plays a very important part in our life. Any information we need to keep for future reference, we take a screenshot of it. But one major problem of the screenshot is that you can't extract text from the image. The only option is to either search that page again and copy the information or type the information form the image. Screenshot Go android app solves this issue. Even though this unique and useful android app is still in Beta, this app works great. You can extract text from the screenshots you have taken and paste somewhere else. No hassle of typing the information looking into the image.

Display.land

Don't you wonder, it would be amazing if you were able to take 3D image of an object and view it later on! than this app is for you. Display.land android app allows user to take 3D image of object of your liking which you can view later on. You can see the image you have taken from any angles and see details which you may have missed. One problem  of this app is that it does not create very sharp images.  The app is free but you will have to login and net is required for the app to function.

Picnic

If you are into photography and landscape photography in that, this app is for you. Picnic  is a photo editing android app that allows you to change how your photos look. You can change photos taken in the sunny days look like a photo taken in chilly weather and many more. We highly recommend checking this app.

VivaCut

Not all video editing apps are made equally. Video editing android app that is free and offers many pro like features are very few. Among those few, VivaCut is one of the best. This app provides many pro video editing features like adding overlay, text, stickers,and VFX as well as normal editing features like adding music, splitting the video, duplicating, and changing the aspect ratio of the video. Editing video on the go right in your phone now is not that difficult.

 

Crisper

Crisper is an android app for those who want to use unique wallpaper in their phone. It as an app that has tons of wallpaper in it, whether you want wallpaper of mountains or space, ants or elephants there is an image for you. You can simply download a photo of your liking and use it as your wallpaper.

Dark Mode

Waiting for the dark mode feature update but not sure when it will come your way. Head to the Play Store and download Dark Mode. This is a small android app with size less than 2MB but allows you to activate and deactivate dark mode at your will. When turned on this app activates the Android night mode on the device that doesn’t provide this option in the system settings. This app not only activate night mode but also changes many of the Google apps, Instagram and other apps to dark theme.

 

Microsoft Math Solver

Maths, even hearing this word gives us a headache. Math for many was and still is not among our favorite subjects. But there come situations that you have to help someone younger in your family to help them in their math assignments. Your nightmare just started. But there is an easy way to solve this issue, Microsoft Math Solver. This unique android app allows users to snap a photo of a math problem, which then provides you with the solution in step by step as well as recommend other similar solutions and video tutorial recommendations. Now you don’t have to worry about Maths haunting you at night.

Nepal Telecom Authority has started a mobile phone set tracking service. From now on, NTA will take action against those who buy and sell phones found by someone.

The authority will take action if the mobile phone found by the authority is sold without informing the concerned person or the police. As the lost phone can be easily tracked through mobile tracking technology, the regulator has informed to return the found mobile phone set to the concerned person, police office or authority.

Mobile phones have International Mobile Equipment Identity (IMEI) / Electronic Serial Number (ESN) / Mobile Equipment Identity (MEID). Mobile phone sets are now imported to Nepal only on the recommendation of NTA. Therefore, the authority has a record of all mobile phone sets imported into Nepal.

Therefore, the authority has made available a 'mobile tracking' service for everyone to track the lost mobile phone set of any person. Anyone who loses a mobile phone can click here to report to the authority.

If someone has found a mobile phone set, it is best to return it. If the phone set is not returned, the authority will easily track it. If someone buys an old mobile phone because it is cheap, it can be stolen. So old mobile buyers should also be careful. If it is a stolen or lost phone, he will be prosecuted, the authority said.

 

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