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IJARSAI Int. J. Adv. Res. Sci. Anal. Infer.
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Article Dates: Received: 27 March 2026 | Revised Submission: 03 May 2026 | Accepted: 14 May 2026 | Available Online: 20 May 2026
Abstract
Keywords: Artificial Intelligence (AI), Unified Payments Interface (UPI), Digital Transformation, Financial Inclusion
Sangeeth S
Research Scholar
Department of Commerce
Government Arts College
Udumalpet, Tamil Nadu, India
Dr. R Gopi
Principal
Government Arts & Science College
Valparai, Tamil Nadu, India
Email: gopigacudt@gmail.com
Article Dates: Received: 27 March 2026 | Revised Submission: 03 May 2026 | Accepted: 14 May 2026 | Available Online: 20 May 2026
Abstract
The combination of Artificial Intelligence (AI) and the Unified Payments Interface (UPI) is changing how financial services operate in India. UPI has already transformed digital payments by making transactions fast, simple, and widely accessible. When AI is integrated into this system, it adds further value through features such as fraud detection, data-based predictions, and more personalized financial services. This integration helps improve user trust, reduce errors in transactions, and extend financial services to a wider section of the population. At the same time, insights generated through AI can support policymakers and financial institutions in making better decisions and improving system performance. This paper examines both the opportunities and the limitations of combining AI with UPI, and discusses how this development is contributing to India’s ongoing digital transformation while setting an example for modern payment systems.
Keywords: Artificial Intelligence (AI), Unified Payments Interface (UPI), Digital Transformation, Financial Inclusion
How to Cite:
How to Cite:
S., Sangeeth, & R., Gopi. (2026). Harnessing artificial intelligence and UPI for financial innovation in India. IJARSAI International Journal of Advanced Research Scientific Analysis & Inferences, 2(1), 69–77. https://doi.org/10.5281/zenodo.20328394
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