If I am using Paytm (one mobile wallet in India) and you are using FreeCharge (another mobile wallet in India), then I cannot pay you using my mobile wallet i.e. mobile wallets are not inter-operable.
Imagine if a Vodafone (one telecom operator) customer could not call Airtel (another telecom opeator) customer in India. Then mobile calls would never be popular.
If Indian government wants to go cashless, then it must ask every Indian mobile wallet company to make their app inter-operable with others. So a Paytm user can pay a FreeCharge user.
Without having proper infra-structure / rules in place, cashless will remain a dream.
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