Competition is always good, keep everyone on their toes, everyone is constantly pushed to update products, better pricing for the end user, etc. If Paytm offers a better product, of course eventually all clients will move away from us, but that is what will push to make sure we are improving on ours. Products take time to evolve, we have the advantage of our product having spent over 4 years (in house product) and having seen a lot more market cycles and edge cases.
Bracket order is a complex order type, it is best to avoid if you don’t understand all the nuances. It is a huge challenge to keep the customer support up at such a scale and in a very low cost business model. Normal days everything happens well, usually the drop in experience is when there is an issue that affects a larger number of people. But we have been doing things to improve this, we should get better over time on this as well.