The next big shift in digital payments may not be a new product, a new payment rail or even a new interface, but from a fundamental redesign of how users interact with the platform.
In practice, that could mean the interface itself becoming progressively less central to the user experience.
“Traditionally, people have been using PhonePe or all of the other apps where we’ve been trying to get users to learn our interfaces and the language of the app. AI (artificial intelligence) has started to invert that, where the app is now learning the language of the user,” said Gautham Krishnamurthy of PhonePe.
