India Makes Paying Easier with AI Voice Commands

Mukund Kapoor
By Mukund Kapoor - Author 4 Min Read
4 Min Read

By Mukund Kapoor, a noted AI enthusiast and contributing author at GreatAiPrompts.Com, specializing in topics related to marketing, artificial intelligence, and innovative AI-driven technologies.

India Makes Paying Easier with AI Voice Commands


  • India is introducing AI-powered voice transactions for digital payments to expand to rural areas with limited internet and literacy.
  • Key industry figures like Dilip Asbe, Vijay Shekhar Sharma, and others have provided insights and reactions to these innovations.
  • The project faces challenges, including inequality in digital access and the complexity of recognizing India’s many languages.
  • UPI-Lite, launched in September 2022, will utilize NFC technology to speed up small-value transactions, with about 10 million monthly transactions currently.
  • Near Field Communication (NFC) technology will be implemented to enhance efficiency in transactions.
  • The Digital Rupee, India’s digital currency, was introduced in November 2022, with major banks participating in its establishment.

India wants to make it easier for people to pay for things. They are going to use AI-powered voice commands to do this. This new way of paying will help people in rural areas who don’t have good internet access or can’t read well.

The Universal Payments Interface (UPI) has been growing fast in India. Since it started in 2016, 350 million people are using it. In July, there were almost 10 billion transactions. That’s a lot!

But in places where people are poor, UPI is not used much. There’s not much internet, and people can’t read as well. The Reserve Bank of India wants to fix this. They have a plan to let people tell their phones what to pay. AI will listen and understand, then make the payment.

At first, this service will work in English and Hindi. Later, it will work in other languages too.

There is also a way to pay without the internet by using “near field communication” technology. This works when two phones are close to each other.

Dilip Asbe, head of the National Payments Corporation of India, said, “What they do is help us to expand and create a new use case to reach out to more users and more merchants.”

Vijay Shekhar Sharma, founder of Indian payments group Paytm, thinks the offline function for UPI could be a “game changer.”

However, there are challenges. Jayanth Kolla, co-founder of tech consultancy Convergence Catalyst, warned that “for the system to recognize that and work across the length and breadth of the country could be an issue.”

Ranadurjay Talukdar, Partner and Payments Sector Leader, EY India, talked about the future, saying, “AI-driven payments, which are essentially voice payments, are still in a nascent stage; adoption will depend on setting uniform standards to drive interoperability among payment apps.”

Some people think this new way of paying could be a big change. But others say it might be hard to make it work in India because there are so many different languages.

There are still challenges, like not enough people using the internet. And there are many adults in India who can’t read. Also, some people worry about keeping user data safe.

But these new ways of paying could help India in the future. They can help more people use digital payments and make the country’s economy stronger.

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By Mukund Kapoor Author
Mukund Kapoor, the enthusiastic author and creator of GreatAIPrompts, is driven by his passion for all things AI. With a special knack for simplifying complex AI concepts, he's committed to helping readers of all levels - be it beginners or experts - navigate the intriguing world of artificial intelligence. Through GreatAIPrompts, Mukund ensures that readers always have access to the most recent and relevant AI news, tools, and insights. His dedication to quality, accuracy, and clarity is what sets his blog apart, making it a reliable go-to source for anyone interested in unlocking the potential of AI. For more information visit Author Bio.
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