Paytm's AI-Driven Payments Revolution: CEO Outlines Vision for Tech-Driven Future

Paytm is intensifying its focus on innovation, with artificial intelligence at the core of its efforts to transform the future of digital payments. CEO Vijay Shekhar Sharma reaffirmed the company's commitment to becoming AI-first, with a focus on core payment operations and strengthening business fundamentals. Paytm achieved a significant milestone of profitability in Q1, reporting a PAT of Rs 123 crore. The company has restored high UPI success rates through deep integration with partner banks and technological excellence.

Paytm, a leading fintech company, is intensifying its focus on innovation, with artificial intelligence (AI) at the core of its efforts to transform the future of digital payments. CEO Vijay Shekhar Sharma reaffirmed the company's commitment to becoming AI-first, with a focus on core payment operations and strengthening business fundamentals. Paytm achieved a significant milestone of profitability in Q1, reporting a PAT of Rs 123 crore [2].

The company has restored high UPI success rates through deep integration with partner banks and technological excellence. Paytm's UPI market share stood at 6.9% as of June 2025 [2]. CEO Sharma highlighted that both consumer and merchant payments remain promising growth areas, supported by merchant discount rates on select instruments and subscription-based revenues.

Paytm is set to scale up its UPI expansion once the National Payments Corporation of India (NPCI) enforces a 30% market-share cap on third-party app providers in 2026 [2]. Sharma noted, "We’ve restored high UPI success rates through deep integration with partner banks and strong support from NPCI. Once the market cap is in effect, we are ready to expand rapidly."

The company's AI-first approach extends to both products and processes. Paytm is exploring international markets with a deliberate 1,000-day strategy focused on underserved small businesses. Sharma added, "We’re building value-accretive services for merchants that unlock monetization beyond transactions."

On the remuneration front, Paytm's board approved a fixed annual salary of ₹4 crore for Sharma for April 2025 to December 2027. His FY25 compensation stood at ₹4.47 crore.

Paytm's commitment to AI and its strategic focus on both domestic and international markets position it well for future growth. The company's Q1 profitability milestone is a testament to its strong financial performance and technological advancements.

References:
[1] https://www.theglobeandmail.com/investing/markets/stocks/EGHT-Q/pressreleases/33910744/8x8-eght-q1-revenue-rises-2/
[2] https://www.financeoutlookindia.com/news/paytm-awaits-market-cap-rule-to-scale-upi-ceo-vijay-sharma-nwid-5824.html