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-…
Suny Choudhary
Building AI Security for LLMs | CEO @ LangProtect
I’d keep AI close to guidance, not execution.
Once it directly touches payments or approvals, the cost of small errors gets too high.
Feels safer to let it assist decisions, not make them.