Excellent post bud. Just to add couple more things, the transaction details after a bill payment or transfer should contain important details like UTR number which we could share /screenshot so that we could confirm with the other party that the payment is done. Another would be the way the DOB is displayed. Currently the format is dd(space)mon,yy. Probably changing that to a more uniform dd/mm/yyyy would be better than a comma I presume.I hope @Jiten would look into it and implement as much as possible.
Cheers!