The digital payments platform PhonePe has introduced an AI-driven natural language search feature on its app, allowing users to perform transactions and access services using voice or text inputs.

The functionality has been created utilizing tools from Microsoft’s Foundry platform and aims to substitute traditional menu-driven navigation with intent-driven routing. Users can input or voice commands like paying a contact a certain amount, recharging FASTag, or checking gold prices, allowing the application to guide them to the appropriate transaction page or information area without the need to switch between multiple tabs.

The company states that the system understands user intent—be it for making a payment, finalizing a purchase, or requesting help—and directs users appropriately, according to reports.

The function works on a mixed model that merges on-device and cloud-based processing. PhonePe claimed that personal and transactional information stays within its own ecosystem, with privacy and security measures integrated into the system.

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The implementation will occur in stages throughout India. Users can reach the feature via the app's universal search bar, support center, and transaction history section.

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For users of personal finance, this advancement signifies a wider industry movement of digital platforms incorporating artificial intelligence technologies to ease everyday financial activities. Voice-guided and text-oriented commands can reduce obstacles for inexperienced or less tech-savvy users, especially in a market where digital payments have quickly grown in urban and semi-urban regions.

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Established in 2016, PhonePe functions in consumer and merchant payments, distribution of insurance and lending, as well as investment platforms like ShareMarket. By September 2025, the company announced over 65 crore registered users and a merchant network of over 4.7 crore acceptance locations.