NPCI has announced a collaboration with NVIDIA to develop and scale a sovereign AI model tailored for India's payments ecosystem, focusing on trust, resilience, security, and ecosystem enablement.

NPCI’s CTO emphasizes creating a sovereign, payments-native AI foundation that strengthens trust, resilience, and security while aligning with regulatory requirements.

The initiative supports NPCI’s mandate to scale real-time payments infrastructure within a regulatory-compliant, sovereign AI development framework for the payments ecosystem.

The architecture may explore Mixture of Experts techniques to handle high-volume, low-latency environments and is expected to evolve to multilingual data and agent-optimized systems.

FiMI currently powers a multilingual AI help assistant handling transaction disputes, mandate lifecycle management, and regulatory or ecosystem inquiries.

The initiative targets multilingual data and agent-optimized systems to support a nationwide payments network.

NPCI plans to deploy AI from use-case specific agents to a foundational AI layer for payments, building on pilots like the UPI Help Assistant powered by the FiMI-tuned Small Language Model for grievance resolution at scale.

The next phase aims to move from use-case specific agents to a scalable general AI layer, exploring Mixture of Experts and expanding multilingual capabilities.

A tangible outcome is the UPI Help Assistant, powered by the FiMI Financial Model for India, delivering fast-response support for UPI user grievances.

The project plans to expand capabilities across multilingual datasets and agent-optimized systems, while advancing trust frameworks, grievance redressal processes, and operational intelligence.

The platform will benefit banks, fintechs, and other ecosystem participants, with a strong emphasis on data security, sovereignty, and responsible AI use, plus grievance redressal and operational intelligence workflows.

NVIDIA will train FiMI using the Nemotron 3 Nano model and the NeMo framework to enable multilingual customer service across India’s banking ecosystem.