Here is a concise summary of the provided text:
**Title:** Comparison of Three Digital Payment Apps in India
**Apps Compared:**
1. **PhonePe** (managed by Flipkart)
2. **Google Pay** (owned by Google)
3. **Paytm** (owned by One97 Communications Limited)
**Key Findings:**
* **PhonePe**: Highly secure, easy to use, multiple bank account support, and good customer care.
* **Google Pay**: Secure, but slightly harder to navigate; no transfer fees, and multiple account support.
* **Paytm**: Weak security, poor customer care, and instances of payment fraud.
**Conclusion:**
Based on a 4-year usage experience, **PhonePe** is recommended as the easiest and best application among the three, followed by Google Pay, with Paytm needing improvement in security and customer care.
Here are the extracted key facts in short sentences, numbered for reference:
**Application Launch Dates**
1. PhonePe was started in 2015, but launched in the market in August 2016.
2. Google Pay (initially named Tez) was launched in the market in September 2015.
3. Paytm was launched in the market in August 2010.
**Application Ownership**
4. PhonePe is currently managed by Flipkart.
5. Google Pay is owned by Google itself.
6. Paytm's owner is One97 Communications Limited Company.
**Application Features**
7. PhonePe allows users to link multiple bank accounts.
8. Google Pay does not charge for transferring money between accounts.
9. Paytm was initially made for mobile recharges, later expanded to Paytm Bank and wallet services.
**Security and Support**
10. PhonePe has a strong security system, with a previously launched (and then blocked) "money request" feature.
11. Google Pay has good security but a more complex interface.
12. Paytm has been reported to have weaker security, with instances of fraud, and has a poorly rated customer care service.