Mumbai, September 9, 2026: BharatPe, one of India’s leading fintech companies, today launched BharatPe Agentic AI at the Global Fintech Fest 2026, becoming one of the first fintechs in the country to introduce an Agentic AI solution for merchants and businesses. The company also unveiled Credit Coach, an AI-powered initiative to increase credit awareness among users.
BharatPe Agentic AI: Every Merchant’s Personal Assistant
- Built with Gemini Enterprise Agent Platform on Google Cloud.
- Integrated into the BharatPe for Business App.
- Understands merchant requirements and takes action across 60+ live systems in real time.
- Voice-first assistance in the merchant’s own language, with chat as fallback.
- Eliminates IVR menus, hold times, and callbacks.
- Available 24×7, proactively following up on requests and flagging issues.
- Supports Hindi, English, Hinglish, and regional languages.
- Merchants can choose its persona, avatar, and voice.
- Assists with complaints, chargebacks, and growth opportunities (e.g., CC on UPI, Loan, POS).
Credit Coach: A Personalised Approach to Credit Awareness
- Available under the Credit Score section of the BharatPe for Business app.
- Generates personalised videos (with user consent) featuring a digital avatar of Cricket Legend and World Cup Winning Captain Rohit Sharma.
- Provides tailored insights into:
- Bureau score.
- Total and active loans.
- Upcoming overdue payments.
- Written-off tradelines.
- Offers guidance on timely repayments and responsible credit utilisation.
- Caters to users with strong credit scores, overdue loans, no active history, or new-to-credit profiles.
- Available in multiple languages including Hindi, Tamil, Telugu, Malayalam, and Kannada.
Nalin Negi, CEO, BharatPe: “We see AI not as a layer of technology, but as a way to make financial services more intuitive, relevant and responsive to the way people actually work and transact. With BharatPe Agentic AI, we are moving beyond answering questions to helping merchants get things done. With Credit Coach, we are making credit awareness more personalised and actionable. These are early but important steps in our journey to build a more intelligent, India-first fintech platform.”
Harsh Dhand, Director of AI Partnerships, APAC, Google: “We are thrilled that Google AI is helping transform how small businesses across India operate. With multimodal, voice-first intelligence in the BharatPe Agentic AI experience, we look forward to seeing Indian merchants benefit from a trusted, multilingual daily partner that reduces everyday operational hurdles and accelerates financial inclusion nationwide.”
AI-Powered Advertising: My Shop My Ad (MSMA)
BharatPe pioneered AI-led personalised advertisements for merchants through My Shop My Ad (MSMA).
- Merchants can create personalised ads featuring Rohit Sharma’s AI avatar promoting their businesses.
- Provides local merchants with a brand-ambassador-style advertising experience.
Future Outlook
Together, Agentic AI, Credit Coach, and MSMA reflect BharatPe’s expanding application of AI across its ecosystem — spanning merchant assistance, personalised advertising, and consumer experiences.
About BharatPe
BharatPe (Resilient Innovations Pvt Ltd) was founded in 2018 to make financial inclusion a reality for Indian merchants.
- Launched India’s first UPI interoperable QR code and zero MDR payment acceptance service.
- Introduced BharatPe Swipe card acceptance terminal in 2020.
- Registered network of 1.7 crore+ merchants across 450+ cities.
- Processes 450 million+ UPI transactions per month with a monthly TPV of ₹12,000 crores.
- BharatPe Money has facilitated loans worth US$ 2 billion in partnership with NBFCs.
- POS business processes payments of ₹27,000 crores annually across 125,000+ machines.
🌐 Learn more: www.bharatpe.com
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