{
  "id": 7711100,
  "title": "How agentic AI could reshape the way we make digital payments",
  "url": "https://urgent.news/2026/09/16/how-agentic-ai-could-reshape-the-way-we-make-digital-payments",
  "topic": "ai",
  "section": "AI",
  "published": "2026-09-16T04:40:06.000Z",
  "source": {
    "name": "The Indian Express",
    "slug": "the-indian-express",
    "url": "https://indianexpress.com/article/explained/explained-ai/agentic-ai-payments-commerce-india-10879886/"
  },
  "original_language": "en",
  "account": "Artificial intelligence (AI) is currently revolutionizing various industries, with the payments sector being no exception. The integration of agentic AI, in particular, is set to reshape the way digital payments are conducted. While traditional AI has already reduced friction in the payments process and enhanced safety, agentic AI promises to take this integration to the next level by handling consumers' entire payment journey. Recently, the Global Fintech Fest (GFF) in Mumbai showcased numerous examples of AI integration into payments products, with the National Payments Corporation of India (NPCI) unveiling MyUPI, an AI-powered system capable of delegating pre-authorized payments and automatically handling payment disputes. Additionally, MyUPI introduced a backend tool known as Agentic Orchestration and Messaging (AtOM), which serves as a \"connective tissue\" for AI interaction across the financial ecosystem. Agentic commerce, a digital trade model where AI agents streamline the buying process, could significantly simplify the procurement to payment process for businesses. For instance, AI-powered tools can notify customers of discounts on products they have been viewing and make payment decisions on their behalf, reducing the need for multiple authorizations and OTPs. Furthermore, AI agents can auto-execute small-ticket regular purchases, saving time and providing the best deals for consumers. In the B2B payments space, agentic AI could predict cash-flow gaps, identify checkout failures, recommend the right acceptance mix, and automatically initiate refunds or customer recovery journeys. This could potentially automate around 80% of routine treasury coordination and improve cash-forecast accuracy to nearly 90%, provided there are strong data and governance foundations. Despite the promising benefits, AI integration in the payments industry is still in its early stages, with uneven adoption due to fragmented payment data across various platforms. The question of who bears the cost of AI integration also remains, as businesses will want to see a return on their investments in training AI models.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}