Digital payments major Paytm has unveiled a completely redesigned AI-powered app, introducing more than 15 new intelligent tools aimed at making payments, budgeting, and financial tracking faster and smarter. The update marks one of Paytm’s most significant product overhauls, reflecting its strategic shift toward AI-driven personalisation and user-centric design.

The refreshed interface offers a cleaner, minimal design, allowing smoother navigation across services such as recharges, bill payments, and investments. Among the most notable additions are AI-based spend summaries, which automatically categorise expenses, and “Gold Coins,” a new digital rewards system that encourages regular usage through gamified incentives.

According to the company, the new design aligns with Paytm’s goal to make financial management intuitive, predictive, and personalised. The AI layer embedded across the platform enables features like smart suggestions, automated transaction insights, and fraud prevention tools, empowering users to make more informed spending decisions while maintaining security and ease of use.

Industry analysts see the move as part of a broader trend among Indian fintechs integrating AI-first experiences to deepen customer engagement. With competition intensifying in the digital payments ecosystem, Paytm’s focus on data-driven personalisation is expected to set new standards in convenience and trust for millions of users.

The update also underscores Paytm’s continued investment in AI infrastructure and design innovation, as it seeks to stay ahead in India’s rapidly evolving fintech landscape. By blending simplicity with intelligence, the company aims to redefine how users interact with their digital wallets and financial tools.