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AI to Transform India's Payments, Calls for 'Bharat Models' in Finance

Adelia Castelino states that Artificial Intelligence will transform India's payments ecosystem by embedding intelligence into digital finance for better governance and customer profiling. She emphasizes the need for India to develop self-reliant, indigenous AI systems, termed "Bharat models," to reduce dependency on global platforms. The India AI Impact Summit 2026 is highlighted as a key event that raised awareness and positioned India centrally in the global AI conversation. The integration of AI is expected to enhance user experience, ensure timely transactions, and empower businesses with improved liquidity management.

Key Points: AI to Reshape India's Payments, Says In-Solutions Global MD

  • AI embeds intelligence in digital finance
  • Enables better governance and risk profiling
  • Calls for self-reliant 'Bharat' AI models
  • Summit positioned India as global AI focal point
2 min read

AI-Powered Finance to reshape India's payments landscape, says Founder and MD In-Solutions Global

Adelia Castelino says AI will bring intelligence to digital finance, enable better governance, and calls for self-reliant 'Bharat models' in India.

"We need to be self-reliant, independent, and aligned with the government objectives. - Adelia Castelino"

New Delhi, February 17

Artificial Intelligence will play a transformative role in reshaping the payments ecosystem by embedding intelligence into digital finance, said Adelia Castelino, Founder & Managing Director In-Solutions Global.

"Today, we have digital finance that moves money from one pocket to the other digitally. With AI embedded in finance, it will bring in the intelligence and be able to bring in a better governance model, understand the profile of the customer, whether it is credit risk or lending," she said while speaking with ANI at the India AI Impact Summit 2026.

"It will be able to give the right user experience, money on time, money to the right person, and bring in the digital experience not only in terms of customer usage but also in terms of liquidity and enabling and empowering businesses," she said.

Adelia Castelino emphasised the need for India to pursue self-reliance in AI development, noting that many existing AI initiatives rely on global models. Stressing alignment with government objectives, she called for the creation of "Bharat models" inclusive, internally developed AI systems tailored to India's unique needs.

"We need to be self-reliant, independent, and aligned with the government objectives. We also need to build our own internal models, the Bharat models, make it inclusive and make sure that as much as possible we are dependent on ourselves and we do not have too much dependency on the global models," she said.

Highlighting the significance of the summit, she stated that the India AI Impact Summit 2026 had created widespread awareness and positioned India as a focal point for global AI dialogue. "The event brought together global leaders while simultaneously fostering enthusiasm, resilience, and strategic focus within India to develop indigenous AI capabilities," she added.

- ANI

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Reader Comments

R
Rohit P
Absolutely agree with the need for self-reliance. We can't just be users of Western AI models for something as critical as our financial system. Hope the government and private sector collaborate effectively on this.
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Aman W
Sounds promising, but execution is key. "Better governance model" and understanding credit risk for the unbanked could be revolutionary for small businesses and farmers. Hope it reaches the grassroots and isn't just for urban elites.
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Sarah B
While the vision is impressive, we must proceed with caution. Embedding AI deeper into finance means more data collection. We need ironclad data privacy laws and safeguards against bias in these "Bharat models" before full-scale adoption.
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Karthik V
"Money to the right person" - this is the key! If AI can reduce fraud and streamline subsidy/payment transfers, it will be a huge boost for transparency and efficiency. Jai Hind!
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Nikhil C
Good to see Indian leaders thinking ahead. The summit creating global dialogue is important, but let's not just talk. We need to invest heavily in R&D and talent to actually build these systems. The pace needs to match the vision.

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