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| Image - X/Kushal Jasani |
The demonstration was presented in the presence of Shri Nandan Nilekani, Co-Founder & Chairman, Infosys and Hon. Advisor to NPCI on Innovations & Public Policy. The feature, which is currently in the pilot stage, showcased how users can discover and order items seamlessly from merchants through AI platforms such as Gemini, bringing greater convenience and personalization to digital commerce.
The solution is enabled by user-authorized AI chatbots, agents, and applications capable of initiating UPI payments based on contextual triggers, voice or text commands, and user-defined routines. These AI-powered systems can operate across devices, ensuring secure, efficient, and intuitive payment experiences.
The solution is enabled by user-authorized AI chatbots, agents, and applications capable of initiating UPI payments based on contextual triggers, voice or text commands, and user-defined routines. These AI-powered systems can operate across devices, ensuring secure, efficient, and intuitive payment experiences.
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| Shri Nandan Nilekani |
This demonstration marks a significant step toward the convergence of AI, and digital payments, underscoring NPCI’s commitment to driving innovation and shaping the future of India’s digital economy.
The demonstration was attended by Shri Nandan Nilekani, Co-Founder & Chairman of Infosys and Hon. Advisor to NPCI on Innovations & Public Policy, underscoring the strategic importance of this innovation in India’s fintech roadmap.
“Agentic AI is redefining digital payments by making them intuitive, secure, and context-aware,” said an NPCI spokesperson. “This is not just a technical upgrade—it’s a shift toward intelligent commerce.”
This initiative complements NPCI’s broader push toward biometric authentication and risk-based models, including recent rollouts of fingerprint and facial recognition for UPI payments.
As the pilot progresses, NPCI plans to expand the capabilities of Agentic AI across sectors, potentially transforming retail, mobility, and public services.
The demonstration was attended by Shri Nandan Nilekani, Co-Founder & Chairman of Infosys and Hon. Advisor to NPCI on Innovations & Public Policy, underscoring the strategic importance of this innovation in India’s fintech roadmap.
From Discovery to Payment: AI Agents Take the Lead
The pilot illustrated how user-authorized AI chatbots and applications—such as those powered by Gemini—can autonomously discover products, place orders, and initiate payments via UPI. These agents respond to contextual triggers, voice or text commands, and user-defined routines, offering a frictionless and personalized commerce experience.“Agentic AI is redefining digital payments by making them intuitive, secure, and context-aware,” said an NPCI spokesperson. “This is not just a technical upgrade—it’s a shift toward intelligent commerce.”
A New Era of Seamless Transactions
The solution enables payments across IoT devices, allowing users to interact with smart platforms—from wearables to home assistants—without manual intervention. By integrating AI with UPI’s robust infrastructure, NPCI aims to simplify everyday transactions while enhancing security and personalization.This initiative complements NPCI’s broader push toward biometric authentication and risk-based models, including recent rollouts of fingerprint and facial recognition for UPI payments.
Strategic Vision for India’s Digital Economy
The demonstration reflects NPCI’s commitment to shaping the future of India’s digital economy through innovation. Speaking at the event, Nilekani emphasized the convergence of AI and payments as a critical frontier for financial inclusion and user empowerment.As the pilot progresses, NPCI plans to expand the capabilities of Agentic AI across sectors, potentially transforming retail, mobility, and public services.
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