The National Payments Corporation of India is stepping up its use of artificial intelligence in digital payments, with a focus on UPI onboarding, fraud detection and support services. NPCI CEO Dilip Asbe said AI will play a major role in the next phase of UPI growth, including voice-based payments and multilingual experiences.
NPCI has already launched FiMI, a specialised AI language model that powers the UPI Help Assistant in English, Hindi, Telugu and Bengali, with more languages planned. The system is designed to help with payments, mandates and dispute resolution.
The organisation is also working on broader AI infrastructure for payments. In February, NPCI announced a partnership with Nvidia to build a sovereign, payments-native AI foundation model tailored to India’s digital payments ecosystem and regulatory requirements.
NPCI has separately said it is exploring use cases such as graph analysis, speech recognition and ANPR for payment operators. It has also previously piloted AI and machine learning tools to improve fraud detection and risk assessment across the UPI ecosystem.
For India’s largest retail payments network, the AI push points to a more automated system that can handle support, trust and security at scale.
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