BharatPe Launches Agentic AI for Merchants With 60+ Live System Connections

BharatPe Agentic AI Brings a 24/7 Gemini-Powered Business Assistant to Indian Merchants

What makes the launch interesting is that BharatPe's AI assistant is designed to do more than provide information. It can understand merchant requirements and take actions across more than 60 live systems in real time.

The assistant is integrated directly into the BharatPe for Business app, giving merchants an AI-based way to manage support requests and business-related tasks without navigating multiple menus or waiting for traditional customer service.

This makes BharatPe's announcement one of the more notable examples of agentic AI moving into India's financial-services ecosystem.

What Is BharatPe Agentic AI?

BharatPe Agentic AI is a business-focused AI assistant built for merchants using the BharatPe for Business application.

Instead of functioning like a conventional chatbot, the system is designed around task execution.

A merchant can communicate with the assistant through voice or chat, explain a problem or request, and allow the AI system to interact with connected business systems to complete supported tasks.

According to BharatPe, the assistant can understand the merchant's business, products and previous interactions. It can also use information such as screen activity and previous support tickets to make responses more relevant.

The system is available around the clock and can proactively follow up on requests and provide updates.

That difference is important.

A traditional chatbot might explain how to solve a problem.

An agentic system attempts to solve the problem itself.

Built With Google's Gemini Enterprise Agent Platform

BharatPe says its Agentic AI is built using the Gemini Enterprise Agent Platform on Google Cloud.

Google describes the platform as a system for building, scaling, governing and optimizing enterprise AI agents. It is designed to connect agents with enterprise data and workflows while providing tools for security, governance and deployment.

This makes the BharatPe implementation an interesting real-world example of Google's enterprise agent infrastructure being used in fintech.

Google's platform supports agent development through tools such as the Agent Development Kit and Agent Studio. It also supports protocols including MCP and A2A for connecting agents and systems.

BharatPe is effectively applying that infrastructure to a merchant-support environment.

The AI Can Work Across More Than 60 Live Systems

One of the biggest claims surrounding the launch is the assistant's connection to more than 60 live systems.

This gives the AI access to a much wider operational environment than a standalone chatbot.

The goal is to let the assistant handle requests that may otherwise require merchants to interact with different services or support channels.

BharatPe says the assistant can help with areas including complaints and chargebacks.

It can also identify opportunities involving products such as:

Credit Card on UPI
Loans
POS services
Other merchant-focused financial products

Instead of forcing merchants to search through the app for every service, the AI can become a conversational entry point for those workflows.

This is where the agentic approach becomes more useful.

The value is not simply that AI can understand a merchant's question.

The value comes from connecting that understanding to business actions.

Voice and Chat Make the Experience More Natural

BharatPe is also emphasizing a voice-first experience.

The assistant combines voice and chat interactions, allowing merchants to communicate naturally rather than relying only on typed prompts.

This could be especially useful for small-business owners who may not want to navigate complicated application interfaces while running their businesses.

BharatPe says merchants can communicate in Hindi, English, Hinglish and regional languages.

The assistant can also be interrupted during a conversation, making the interaction closer to a natural voice conversation rather than a rigid customer-service workflow.

For India, multilingual support could be particularly important.

A large merchant ecosystem does not operate in one language or with the same level of comfort using complex digital interfaces.

An AI assistant that can understand local language preferences could make financial technology more accessible.

BharatPe Wants AI to Become a Business Partner

BharatPe describes the system as an AI business partner rather than simply a chatbot.

That positioning reflects a larger shift happening across the AI industry.

Companies are increasingly moving from:

AI that answers → AI that reasons → AI that uses tools → AI that takes action

The transition is already visible in enterprise software.

For example, Salesforce has been building infrastructure that allows authorized AI agents to interact with enterprise applications through APIs, MCP and reusable agent skills.

BharatPe's approach applies a similar concept to financial services, but with the merchant experience placed at the center.

The merchant does not necessarily need to understand which internal system handles a particular request.

They simply describe what they need.

The AI handles the interaction with the underlying systems.

BharatPe Also Launches AI-Powered Credit Coach

Agentic AI was not the only AI announcement from BharatPe at Global Fintech Fest.

The company also introduced Credit Coach, an AI-powered experience designed to make credit information easier to understand.

Credit Coach uses personalized video to explain changes in a user's credit profile.

With user consent, the system can generate videos featuring a digital avatar of cricket legend Rohit Sharma.

The experience can explain information such as bureau score, active loans and other elements of a user's credit profile.

It can also provide guidance around repayment and responsible credit usage.

The Credit Coach experience supports several Indian languages, including Hindi, Tamil, Telugu, Malayalam and Kannada.

This is another example of BharatPe using AI for personalization rather than simply adding a chatbot to its application.

Why This Launch Matters for India's AI Market

BharatPe's announcement is important because it shows how agentic AI is moving into practical financial workflows.

Many AI discussions focus on large language models, benchmark scores and chatbots.

But the more commercially important question may be:

Can AI actually complete useful work?

BharatPe is attempting to answer that question in a real business environment.

Its assistant has access to multiple live systems and is designed to execute tasks rather than simply generate responses.

The approach also demonstrates why enterprise AI increasingly depends on integrations.

A powerful model by itself cannot solve every business problem.

The model needs access to:

Business data
APIs
Internal systems
Customer history
Workflow tools
Authentication
Permissions
Real-time information

Google's Gemini Enterprise Agent Platform is designed around exactly this type of infrastructure.

What Merchants Could Gain From Agentic AI

If the system works as intended, merchants could benefit in several ways.

Faster Support

Instead of waiting for customer support or navigating multiple menus, merchants can communicate directly with the AI assistant.

Fewer Manual Steps

The assistant can potentially handle multiple parts of a workflow behind the scenes.

Personalized Assistance

Because BharatPe says the system can use interaction history and previous support tickets, responses can be more contextual.

Multilingual Interaction

Hindi, English, Hinglish and regional-language support can make the service more accessible.

24/7 Availability

Merchants do not have to depend entirely on traditional support hours for supported requests.

Business Recommendations

The system can also identify potentially relevant BharatPe products based on merchant needs.

The Bigger Trend: AI Is Becoming the Interface

The most interesting part of BharatPe's launch may not be the assistant itself.

It is the direction it represents.

For years, businesses have built software around dashboards, menus and forms.

AI agents could change that model.

Instead of asking a merchant to learn where a particular setting is located, the merchant could simply explain the desired outcome.

The AI becomes the interface.

The underlying financial systems continue operating in the background.

This trend is already appearing in other industries. TheInfoBytes has previously covered AI agents controlling digital signage through Yodeck and enterprise AI agents interacting with Salesforce systems.

BharatPe brings the same broader idea into merchant-focused fintech.

Challenges BharatPe Will Need to Solve

Agentic AI also introduces new challenges.

When an AI system can take actions rather than simply answer questions, accuracy becomes much more important.

A wrong answer can be corrected.

A wrong transaction or incorrect workflow action can create a real business problem.

That means systems like BharatPe Agentic AI need strong authentication, permission controls, monitoring and human escalation.

Google's enterprise agent platform places significant emphasis on governance, identity, security and observability for this reason.

The long-term success of BharatPe's assistant will therefore depend not only on how intelligent the AI sounds, but on how reliably it performs real merchant tasks.

BharatPe Agentic AI is a significant step in India's growing enterprise AI market.

The assistant combines Google's Gemini technology with BharatPe's merchant ecosystem and connects to more than 60 live systems.

Its ability to combine voice, chat, multilingual interaction, business context and task execution makes it considerably more ambitious than a conventional customer-support chatbot.

The larger trend is even more important.

AI is moving from systems that simply generate information toward systems that can understand a goal, interact with software and complete real-world work.

For Indian merchants, that could eventually mean spending less time navigating financial applications and more time running their businesses.

BharatPe's launch shows that the agentic AI race is no longer limited to AI laboratories and software companies.

It is increasingly becoming part of everyday financial infrastructure.

FAQs

What is BharatPe Agentic AI?

BharatPe Agentic AI is an AI assistant designed for merchants and businesses inside the BharatPe for Business app. It can understand requests and take actions across more than 60 connected live systems.