If Razorpay is right about AI, you may never open a payment app again

At a fintech conference in February, Razorpay showed a demo.

A user ordered food on Zomato by voice and paid — without opening a checkout page or a UPI app. No friction and no redirects. Just a job done end-from-end.

The same week, OpenAI quietly rolled back its own in-chat shopping agent.

Razorpay is calling this the biggest disruption to payments since UPI. But agentic commerce raises questions that a demo can't answer — around trust, fraud, consent, and who's liable when an AI spends your money.

Is India ready for that? Is anyone?

Hosts Snigdha Sharma and Rachel Varghese, speak to The Ken reporter Mutasim Khan. Tune in.

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