According to the report, Paytm has “embedded AI across every product from onboarding and fraud detection to churn prediction and personalised cross-sell. The company’s machine-first systems, supervised by humans, are accelerating product development, enhancing risk management, and elevating customer experience.”Paytm has been categorised as having moderate AI exposure with high pricing power, a combination Morgan Stanley identifies as crucial for long-term monetisation. The report stresses that AI adopters ...