PhonePe and Razorpay detail AI payment models at TechSparks 2026

At TechSparks 2026, PhonePe and Razorpay explained how they apply AI to digital payments. Razorpay uses its transaction foundation model Vulcan 5.2, analyzing about 3,000 attributes per transaction, plus 12 autonomous Agent Studio agents used by 600 brands; PhonePe's Kill Switch model predicts transaction success.

• Razorpay's Vulcan 5.2 analyzes roughly 3,000 attributes per transaction
• Razorpay runs 12 Agent Studio agents used by 600 brands
• Razorpay targets 100 agents and 100,000 businesses within six months
• PhonePe's Kill Switch warns users of bank outages before payment