Digital payments leader PhonePe has launched an AI-powered natural language search feature built using Microsoft Foundry. The innovation allows users to navigate, pay, and track transactions through simple voice or text commands. Supporting 12 Indian languages, it replaces menu-based navigation with intent-driven routing, enhancing personalization and convenience for millions of users.
On February 20, 2026, PhonePe announced the rollout of its AI-powered natural language search, developed in collaboration with Microsoft Foundry. The feature enables users to initiate and complete in-app tasks—such as payments, balance checks, and transaction tracking—by simply typing or speaking commands.
Instead of traditional menu navigation, the system uses intent-based routing, directly guiding users to their desired action. For example, a command like “Pay Hemanth ₹20” instantly opens the payment interface with the recipient pre-selected.
The hybrid model combines secure on-device processing with cloud inferencing, ensuring both speed and data privacy. PhonePe also confirmed support for 12 Indian languages and 24x7 live chat assistance, making the platform more inclusive and user-friendly.
Major Takeaways
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PhonePe launches AI-powered natural language search on February 20, 2026
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Built using Microsoft Foundry, replacing menu navigation with intent-based routing
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Users can pay, navigate, and track transactions via text or voice commands
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Hybrid model ensures zero data leakage with secure on-device processing
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Supports 12 Indian languages and offers 24x7 live chat assistance
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Enhances personalization and convenience for millions of PhonePe users
Conclusion
PhonePe’s AI-powered search marks a significant leap in India’s fintech ecosystem, blending conversational AI with secure digital payments. By prioritizing personalization, multilingual support, and privacy, the platform is set to redefine how users interact with financial apps, strengthening its position in the competitive digital payments market.
Sources: Mint, Outlook Business, PhonePe Press Release