Conversational Payments on UPI: Unlocking new frontiers for next-generation payments

India stands at the forefront of developing AI capabilities in payment services—FSPs in India have invested more than USD 3.2 billion to create AI-driven solutions. This white paper introduces NPCI’s “Conversational Payments on UPI” solution and discusses how it can provide users with a seamless payment experience. We also explore factors that could influence the adoption of conversational payments in India and opportunities for financial service providers to offer conversational payments-based solutions.

Artificial Intelligence (AI) has grown and transformed remarkably in recent years. AI’s proliferation in the payments industry will likely transform how we process payments in the digital economy. Currently, most payment solutions primarily cater to digitally savvy users who own smartphones and have Internet connectivity. This leaves out many underserved users who lack smartphone access and is, thus, not inclusive. This white paper, developed jointly with the National Payments Corporation of India (NPCI), highlights a solution to improve inclusivity and become a game changer in the payments space.

The white paper was first launched at the Global Fintech Fest in Mumbai, India, on 7th September 2023.

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Written by



Assistant Manager

Shweta Menon


Akshat Pathak