# If Razorpay is right about AI, you may never open a payment app again

Page: https://stenobird.com/podcast/daybreak-5886514/if-razorpay-is-right-about-ai-you-may-never-open-a-payment-app-again
Text version: https://stenobird.com/podcast/daybreak-5886514/if-razorpay-is-right-about-ai-you-may-never-open-a-payment-app-again.md
Podcast: [Daybreak](https://stenobird.com/podcast/daybreak-5886514)
Published: 2026-04-09T23:30:00+00:00
Episode link: https://share.transistor.fm/s/1021c52c
Audio file: https://media.transistor.fm/1021c52c/6464ecda.mp3
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JSON: https://stenobird.com/v1/public/podcasts/daybreak-5886514/episodes/if-razorpay-is-right-about-ai-you-may-never-open-a-payment-app-again
Duration seconds: 2090

## Resource

At a fintech conference in February, Razorpay showed a demo. A user ordered food on Zomato by voice and paid — without opening a checkout page or a UPI app. No friction and no redirects. Just a job done end-from-end. The same week, OpenAI quietly rolled back its own in-chat shopping agent. Razorpay is calling this the biggest disruption to payments since UPI. But agentic commerce raises questions that a demo can't answer — around trust, fraud, consent, and who's liable when an AI spends your money. Is India ready for that? Is anyone? Hosts Snigdha Sharma and Rachel Varghese, speak to The Ken reporter Mutasim Khan. Tune in. Buy your tickets for the Zero Shot event here . Daybreak is produced from the newsroom of The Ken, India’s first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

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## Transcript

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