The National Payments Corporation of India (NPCI), operator of the Unified Payments Interface (UPI), has announced a strategic collaboration with Nvidia to deploy advanced artificial intelligence models aimed at strengthening India’s digital payments infrastructure. Under the partnership, NPCI will leverage Nvidia’s Nemotron AI models to develop a sovereign, payments-focused AI foundation tailored to the country’s regulatory and data security requirements.

Key Highlights

• NPCI partners Nvidia to deploy advanced AI models enhancing UPI security, efficiency, scalability, and operational intelligence.
• Collaboration aims to build sovereign AI foundation supporting real-time payments, fraud detection, and customer service automation.

The initiative seeks to enhance the resilience, trust, security, and scalability of India’s rapidly expanding real-time payments ecosystem. By combining NPCI’s expertise in managing population-scale digital payment systems with Nvidia’s accelerated computing and AI capabilities, the collaboration will support next-generation innovations in transaction security, fraud prevention, grievance redressal, and customer service automation.

As part of its AI-driven roadmap, NPCI plans to transition from isolated, use-case-based AI solutions toward building a comprehensive foundational AI layer for the entire payment ecosystem. This platform is expected to benefit banks, fintech firms, and ecosystem participants while ensuring compliance with India’s data sovereignty and regulatory frameworks.

NPCI has already piloted AI-based tools such as the UPI Help Assistant, which enables faster and more consistent grievance resolution. The Nvidia partnership will further expand these capabilities, enabling intelligent automation, enhanced operational insights, and real-time system monitoring.

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With UPI handling over 16–21 billion transactions each month, the deployment of advanced AI models is expected to significantly strengthen system performance, security protocols, and customer experience. The initiative marks a major step toward building a robust, AI-powered digital payments infrastructure that can support India’s rapidly growing fintech ecosystem while maintaining high levels of trust and reliability .