The growth of online payment wallets are proof enough of how the Indian consumer has evolved. With the aim of making cash, plastic money and e-wallets a thing of the past, Sony Joy founded Chillr — an app that allows digital payments between bank accounts and immediate transfer of money to contacts in your phonebook easily and quickly. Chillr has 70 employees spread across Mumbai and Cochin. “We realised that people don’t usually put money in wallets and about 80% wallets are empty,” says Joy. Only banks integrated with Chillr can use the application for remitting funds.