Yes, this is a big concern for me as well. Even many of the reviews on Google play store are very poor:
The Aptus E Seva app has around 1000 to 5000 downloads but given AVHF’s customer base of 72000, this seems low. Though, what it could also potentially mean is that in the past, most of the loans to the existing customer base were sourced from branches but going forward, they want to focus more on the app. It is definitely an anti-thesis point for me.
Disc- invested