Hello Team Niyo,
I have been using Niyo account for more than a month now, and my experience was fabulous. While using the app I thought of some improvements that caught my attention in some other similar products.
These are as follows -
Instead of using OTP mechanism for card details reveal you can put a UPIN, as sometimes SIM card goes completely off and the user is over Wi-fi and he’s unable to get through this.
Another reason like myself some others are also living in foreign countries for their work, education and more, so these people would find it hectic to access their card details and other OTP based features.
Try to get an inbuilt UPI of our own, that will definitely turn more beneficial to many of us.
For now I have these two suggestions, if I find anything I reach to you at that same instant.
Thanks for hearing me out.
Hey @Ranjeth! We are sorry for the delay in adding the built-in UPI option. Our team is working on some other exciting features due to which it’s taking a long time. It’s still in our pipeline and we’ll add it in the near future.
@Deepak Can we have a change in UI where user can see EPF balance on the Home Screen only, similar to how it is for Saving account & Investment account, can we please add a 3rd card for EPF where i can swipe and check the balance , adding screen shot
! Meanwhile, sit back and watch how your inputs get reflected in the app. 
