AI at Scale: Powering 650M+ Users | Tech Transformers with Rahul Chari, PhonePe

AI is pushing the fintech industry beyond transactions to intelligent, user-first experiences. Financial services are becoming faster, safer and more intuitive, creating significant value to the consumer.

In the first episode of Tech Transformers - a new series from Yourstory featuring the minds building, scaling, and reshaping the future of technology, we sit down with Rahul Chari, Founder and CTO of PhonePe, one of India’s most influential technology leaders shaping the country’s digital financial ecosystem.

At a scale of almost 700 million registered users and 250 million monthly active customers, Chari shares how PhonePe is leveraging AI to move beyond transactions to build sharper, relevant insights.

From automating 92% of customer support to enabling real-time decisioning and breaking language barriers, this conversation explores how AI is fundamentally transforming access, efficiency, and personalization in fintech.

Going beyond the technology, this is a conversation about rethinking how financial services are built by combining scale, data, and AI to deliver faster, safer, and more inclusive experiences.

On this episode of Tech Transformers we talk about:

The shift from rule-based systems to real-time AI decisioning

Leveraging unstructured data, such as voice, images, video, for smarter insights

Breaking language barriers with natural language interfaces

Creating value for the consumer to transact, save & invest better

Driving efficiency with AI

AI on the edge and the future of privacy-first innovation

A blueprint for building an AI-first tech stack