PhonePe has announced a new partnership with OpenAI to integrate ChatGPT into its mobile application. The collaboration aims to provide millions of PhonePe users in India with AI powered assistance for a range of everyday tasks inside the app. The integration is part of PhonePe’s broader strategy to expand its artificial intelligence capabilities and improve user experience across its platforms.
According to the company, the new ChatGPT assisted feature will help users navigate the app more easily and understand services through natural language interaction. The experience has been designed to support simple, conversational queries. This allows users to ask questions related to payments, services, account actions, or product discovery without relying solely on manual navigation.
PhonePe stated that the integration will initially be available to a selected group of Android users, followed by a wider rollout based on performance and feedback. The company believes that conversational interfaces can significantly reduce friction for users who may find it difficult to navigate complex menus or features. With ChatGPT, PhonePe aims to make the experience more intuitive and accessible across different age groups and levels of digital literacy.
OpenAI’s ChatGPT will support multiple types of queries, including bill payments, transaction status, services offered, and guidance for first time users. The company said the feature has been trained to respond in clear and easy to understand language that aligns with PhonePe’s guidelines and safety standards. PhonePe has also confirmed that user data will remain protected under existing privacy and security protocols.
The introduction of ChatGPT inside PhonePe comes at a time when Indian fintech platforms are rapidly incorporating artificial intelligence into their workflows. Several companies have launched AI based support systems, automated chat assistants, and predictive insights to improve customer service. With this partnership, PhonePe is taking a step toward building a broader AI ecosystem within the app.
Industry observers note that PhonePe has continued to diversify its offerings beyond UPI payments. The platform now spans wealth management, insurance, e commerce discovery, and bill payments. As its portfolio expands, the company is looking at AI as a central element to support user engagement at scale. The addition of ChatGPT is expected to streamline customer support and reduce response times for common queries.
PhonePe said that the integration will allow users to ask questions such as how to complete a payment, how to set up automatic bill reminders, or how to explore specific services. The feature is also designed to help users understand new product launches and promotional offers inside the app. The company added that the assistant will continue to evolve with updates from both PhonePe and OpenAI.
While the feature is currently English first, PhonePe said it is working toward adding more Indian languages in the coming months. The company believes regional language capabilities will be important for increasing adoption, especially among first time digital payment users. OpenAI’s ongoing work in multilingual support is expected to help accelerate this expansion.
The partnership also reflects a larger trend in India, where digital payment companies are focusing on customer convenience as a key differentiator. With more than 500 million registered users, PhonePe is among the largest fintech platforms in the country. As users increasingly rely on mobile apps for essential daily transactions, companies are looking for ways to simplify and personalize the experience.
PhonePe’s integration of ChatGPT also signals an increasing collaboration between global AI companies and Indian digital platforms. Analysts say that partnerships of this kind will become more common as India continues to scale its digital infrastructure. The country remains one of the fastest growing markets for AI adoption across fintech, retail, healthcare, and public services.
OpenAI has been expanding its presence in India through product launches and partnerships. The collaboration with PhonePe marks one of its significant integrations in the Indian fintech sector. By working with platforms that serve large user bases, OpenAI aims to bring conversational AI to everyday applications.
PhonePe said that its goal is to build an ecosystem that uses artificial intelligence responsibly and effectively to improve services. The company has been testing AI based automation for internal support teams, merchant operations, and fraud detection. With ChatGPT now integrated into the consumer side of the app, PhonePe says it is entering the next phase of its AI driven strategy.
The company will monitor user feedback closely during the phased rollout. It plans to refine the experience to ensure safe, reliable, and contextually accurate responses. PhonePe also stressed the importance of transparency and user trust while deploying AI features in financial applications. It has implemented several checks to ensure that ChatGPT does not provide financial advice or perform actions on behalf of the user.
The integration highlights how AI based conversational tools are becoming a mainstream feature inside consumer apps. PhonePe believes this shift will help users complete tasks faster and with greater confidence. As the adoption grows, the company expects the assistant to become a central component of its service experience.
With this launch, PhonePe aims to make AI powered support a part of everyday digital payments in India. The collaboration with OpenAI represents a significant step in bringing conversational AI to a broad set of users who rely on the platform for essential financial and lifestyle services.