NPCI Innovates with AI to Streamline UPI Compliance Processes
NPCI explores agentic AI layer for faster UPI compliance cycles
Business Standard
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The National Payments Corporation of India (NPCI) is exploring agent-to-agent (A2A) workflows to reduce the certification time for Unified Payments Interface (UPI) compliance from four to eight weeks to just ten days. This initiative aims to enhance efficiency in the dynamic UPI ecosystem, which sees frequent updates.
- 01NPCI aims to cut UPI compliance certification time from weeks to days using AI.
- 02Current certification takes four to eight weeks; the goal is to reduce it to ten days.
- 03Banks will need to create their own AI agents for secure communication.
- 04Human oversight will remain essential for final approvals and testing.
- 05NPCI has previously launched initiatives like FiMI to enhance payment system understanding.
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The National Payments Corporation of India (NPCI) is investigating the implementation of agent-to-agent (A2A) workflows to expedite compliance cycles for the Unified Payments Interface (UPI). Currently, banks take four to eight weeks to certify compliance with UPI's operating circulars (OCs). NPCI envisions reducing this timeframe to ten days by utilizing AI agents that can interact with each other across different banking environments. These agents will facilitate smoother communication and problem-solving, while human oversight will still be necessary for final approvals and testing. This initiative comes as UPI continues to evolve rapidly, with NPCI issuing over 30 OCs in the 2025-26 period alone. NPCI has previously launched the Finance Model for India (FiMI), a language model designed to understand the complexities of the Indian payment ecosystem, indicating a commitment to leveraging technology for improved efficiency.
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This initiative could significantly speed up the compliance process for banks, allowing for quicker updates and adaptations to the UPI system, ultimately benefiting consumers and businesses relying on fast payment solutions.
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