Razorpay’s Biggest Bet: From Payments To Becoming The AI Brain For India’s Small Businesses

SUMMARY

• IPO-bound Razorpay is repositioning itself from a payments provider to an AI-powered business operating system through its Agent Studio and agentic commerce push.
• By deploying task-specific AI agents, Razorpay aims to solve operational challenges for millions of small businesses beyond payments, unlocking new revenue streams.
• This AI pivot could strengthen Razorpay’s public market narrative by expanding its addressable market and improving revenue quality ahead of its IPO

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Razorpay’s CEO Harshil Mathur has AI agents walking him through his day’s calendar, reading out the most important stories of the day to him and planning his travel itinerary. 

As the chief of one of India’s largest fintech companies, Mathur is one of the key figures who has advocated for the wide adoption of AI agents for simplifying daily tasks of the white-collar workforce.