At the Global Fintech Fest 2025, Razorpay CEO and Co-Founder Harshil Mathur painted a transformative picture of online payments, emphasising how artificial intelligence (AI) will soon make financial processes invisible and instantaneous. During a fireside chat, Mathur highlighted the shift toward truly embedded finance, where payments and credit happen seamlessly in the background, allowing consumers to focus solely on their purchases.

Mathur stressed that while the industry has long discussed embedded finance, it remains incomplete. “Since many years, we have been speaking about embedded finance, but we are still not fully there. It is still a separate step in every transaction. So if you’re taking credit for a purchase, there’s still a whole process for it,” he said. He pointed to the “

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