This feature allows PhonePe users to initiate and complete in-app tasks via natural language text or voice commands, increasing convenience and personalizing the overall experience of the platform.
The feature leverages capabilities from Microsoft Foundry to replace traditional navigation with intent-based routing, taking users directly to their intended destination.
For example, a request like ‘Pay Hemanth 20 rupees’ automatically launches the payment interface with the pre-selected recipient or shows all relevant contacts named Hemanth. Similarly, commands like ‘FASTag Recharge’ or ‘Gold Price’ navigate the user to the appropriate page or surface with the most relevant information or transaction options.
In addition to simple transactions, this feature captures insights and can interpret whether a user is trying to make a payment, complete a purchase, or reach support for assistance.
All this is achieved through a hybrid model that combines on-device and cloud local inference, while keeping all processing secure and ensuring privacy without personal or transactional data leaving the PhonePe environment.
Commenting on the launch, Rahul Chari, Founder, Whole-time Director & CTO of PhonePe, said: “For years, payment apps have been built as utilitarian tools, optimized for transactions and not people. Through our partnership with Microsoft, we want to further simplify payments by understanding the intent, not just the input. And we believe that intelligence at the edge is the future and the most thoughtful way to deliver real value without sacrificing privacy or security.”
Puneet Chandok, President, Microsoft India and South Asia said, “Microsoft Foundry provides the underlying capabilities that help innovators like PhonePe build secure, scalable and people-centric products for millions of people. We want to power India’s digital ecosystem with trusted AI that enables organizations to deliver simpler and more meaningful customer experiences.”
The feature will be rolled out to users across India in phases. Users can access the feature from the general search bar, Help Center and History tab of the PhonePe payment app.
Published on February 21, 2026
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