NPCI

The digital lending platform expands beyond credit, enabling consumers to make UPI payments through bank accounts, RuPay credit cards and eligible credit lines.

NPCI data cited by Financial Express shows 2,547 crore transactions in October, with transaction volume up 23% year-on-year.

The capability aims to let eligible borrowers use sanctioned credit accounts through UPI for payments to vendors and suppliers.

New UPI experiences explore AI-assisted payment interactions and NFC-based contactless transactions.

The initiatives focus on enterprise AI capabilities and structured, auditable workflows for UPI integrations and partner onboarding.

The model is designed around Indian retail-banking workflows, with benchmarks intended to support safer evaluation of banking AI.