Evernote is a note-taking app that doubles up as a super useful life organiser.

Any note you take in Evernote can be organised into notebooks, which you can use to cover the various aspects of your life.

 Shopping around for something? Save all your research and price comparisons into a single notebook for reference! You can build reading lists, store all your recipes in one place, note down every million dollar idea you have – whatever you want.

Evernote isn’t just a mobile app though: you can also access it on desktop and tablet, with your notes synced across each platform. The ultra useful web clipper tool lets you copy sections of web pages directly into the app too.

Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payment Corporation Of India facilitating inter-bank transactions. The interface is regulated by the Reserved Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform.

 Messaging apps (a.k.a. "social messaging" or "chat applications") are apps and platforms that enable instant messaging. Many such apps have developed into broad platforms enabling status updates,chatbots,payments,conversational commerce (e-commerce via chat). They are normally centralised networks run by the servers of the platform's operators.