In a development that may reshape how Indians transact digitally, the National Payments Corporation of India (NPCI) is quietly piloting agentic AI-based payments on the UPI (Unified Payments Interface) platform. The move suggests a future where human-like AI agents can handle end-to-end UPI transactions — not just detecting fraud or anomalies, but acting as intermediaries that “think,” reason, and act on behalf of the user.
What is Agentic AI — and Why NPCI Is Exploring It
Unlike standard AI tools that provide alerts, recommendations, or pattern recognition, agentic AI refers to systems endowed with autonomous decision-making, planning, and action capabilities. In the context of payments
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