I would like to create a wallet application. it should have an api which other banks can use to inorder to to permit their users to move money from their bank account into their wallet app. but please if there is an existing solution for this then i would like someone in the field to explain to me how he inturns to go about it. the wallet app should be able to accepts cards from issuing banks, accept online transfers from bank account holders, send and receive money to the app's users.
when the above would be completed, i would like in to be incoperated in another app that looks like the paytm mobile and which perform all functions that paytm does except the paytm mall