Razorpay CEO Harshil Mathur said AI-driven commerce will redefine digital payments in India. Speaking on sidelines of GFF 2025, he highlighted innovations like AI payments, Unified Lending Interface (ULI) and cross-border UPI. He also discussed AI's role in fraud prevention and launch of Agentic Payments with OpenAI and NPCI, aiming to create smart shopping experiences powered by AI assistants.