The home screen is cleaner now, cutting down on the previous visual clutter.
 Ad banners that used to interrupt the experience are less intrusive.
 Overloaded icons have been smartly grouped, reducing cognitive load and making navigation simpler for users.

👏 These changes have made the app feel lighter, faster, and more user-friendly.

But, there are some major issues also.

Elderly users are finding it difficult to adapt, as familiar flows like Recharging tolls or EMIs have shifted, creating a learning curve for those less tech-savvy. The QR code payment receiving flow, despite the UX overhaul, hasn’t become noticeably simpler or faster.

PhonePe could have taken a more incremental approach—rolling out UX changes module by module. A phased transition might have resulted in smoother onboarding, especially for users who aren’t as digitally fluent.

Despite the improvements, small vendors and drivers still report friction when receiving payments—something that impacts their daily operations and trust in digital transactions.