I have been thinking about this from a product and UX angle lately.

A lot of teams talk about adding AI to fintech apps as if the main challenge is just implementation. I do not think that is the hard part anymore. In apps like Paytm, the real challenge is deciding where AI should exist at all without slowing users down, reducing trust, or adding unnecessary friction.

For me, AI in a payments app should not start with flashy chat assistants or visible “smart” layers. It should start where users already feel repeated friction:

• Next likely action

• Smarter search

• Useful nudges

• Faster support routing

The bigger question is this:

If you were improving a product like Paytm, where would you place AI so it actually helps the user instead of distracting them?

I explored that in more detail here:
dev.to/varsha_ojha_5b45cb023937b/how-i-would-add-…