Paytm, India’s full-stack merchant payments leader, has released a complete redesign of its flagship mobile application, introducing artificial-intelligence powered features aimed at speeding up transactions, automating expense management, and increasing user engagement.
According to a Business Standard report, the update adds more than 15 new functionalities, including personalisation based on spend patterns, a clearer user interface, and support for Non-Resident Indians (NRIs) across 12 countries.
One of the standout additions is “Gold Coins,” a reward programme that credits users with digital gold for every transaction, enabling normal payments to build savings.
The revised app also uses AI to categorise spending into labels such as shopping, travel, bills and utilities, enabling richer summary views and automatic insights into user behaviour.
Additional features include a “Hide Payments” option for transaction privacy, downloadable UPI statements, intelligent search functions, and a new “Receive Money” widget designed for professionals such as drivers and gym trainers to collect payments directly from their home screen.
AI-First Payments Take Centre Stage
The new Paytm app marks a clear shift in strategy, from simply facilitating transactions to providing proactive financial insight. By embedding AI throughout the user journey, Paytm aims to differentiate its service amid heavy competition in India’s payments ecosystem.
The inclusion of NRI support is also notable, as it positions Paytm not only as an Indian payments platform but as a service tailored for the global Indian diaspora. The “Gold Coins” initiative underlines Paytm’s intention to move into savings and rewards, turning routine payments into loyalty assets.
Reshaping India’s Payments Landscape
As smartphone penetration and UPI adoption continue to accelerate, Paytm’s redesign comes at a strategic moment. By equipping the app with AI features and extending support to NRIs, Paytm strengthens its role beyond peer-to-peer payments into full financial services.
Competitors such as Google Pay and PhonePe now face elevated expectations for intelligence, global reach and rewards. For merchants and service providers the improved “Receive Money” widget offers smoother front-end experience, potentially increasing Paytm’s transaction volume and stickiness.
On the regulatory front, the design emphasis on privacy and statement downloads may ease scrutiny over data transparency.
If the rollout is successful, Paytm could become a template for payments apps expanding regionally while layering intelligence on top of platform services.
The success of “Gold Coins” and other AI-enabled tools will signal whether users truly adopt payments as savings channels, and whether Paytm’s ecosystem can hold ground against tech giants investing heavily in payments across Asia.
