Up until now, we were only making UPI payments by manually inputting commands on our mobile phones. The advancement of technology and constant expansion in updation demands by the users, led to a revolutionary shift in the world of Unified Payments Interface (UPI).
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‘Hello UPI’ is a facility launched by the National Payment Corporation of India (NPCI) which enables users to conclude any transaction through voice assistance only. Let us understand the features and functionalities of ‘Hello UPI’
What is ‘Hello UPI’
‘Hello UPI’ is a conversational feature that enables users to conduct the payment process by speaking to an AI-powered device, like a smartphone. The users now are no longer obliged to perform the process manually, rather they can use their voice to assist UPI to make a payment transaction.
This feature allows transactions via apps, telecom calls and IoT devices in Hindi as well as English language. The feature aims to expand the scope by adding regional languages in the near future.
The workflow of ‘Hello UPI’ includes- automatic speech recognition, language translation, intent verification, and voice output to complete the transaction.
Benefits of ‘Hello UPI’
Along with all the pre-existing features, these are the feature updates though ‘Hello UPI’
- Availability: Hello UPI is enabled on telecom calls, UPI Apps and IoT devices. Hello UPI on telecom Calls and IoT devices can be enabled through Server Side Common Library (SSCL) at NPCI.
- Multilingual Support: Currently, Hello UPI detects commands in Hindi and English language. The NPCI aims to expand the scope by introducing regional languages as well to improvise user experience.
- Integracy: This feature can be enabled on UPI apps, voice assistants like Alexa, Merchant soundboxes and on feature phones as well.
- Accessibility: Hello UPI is not only limited to smartphone users, it is available in all feature phones as well. This has improved the user experience and widened the scope.
- Security: Just like traditional UPI, Hello UPI also follows two-factor authentication for an additional layer of security.
How to use ‘Hello UPI’
Following is a step-to-step guide on how to use Hello UPI on various platforms:
‘Hello UPI’ on UPI Apps
Step 1: Visit any UPI app that supports the Hello UPI
Step 2: Click on the voice icon or else say ‘Hello UPI’
Step 3: Give a command verbally to conduct any action such as balance checking or transferring of funds.
Step 4: Enter your UPI pin through voice command for confirmation.
Step 5: You will receive a voice confirmation once the act is carried out by UPI.
‘Hello UPI’ on telecom calls
Step 1: Dial the ‘Hello UPI’ number provided by your bank or UPI provider.
Step 2: Follow the instructions provided by IVR for verification.
Step 3: Now, give a voice command to make any payment or check your details
Step 4: Fill in your UPI pin through your voice to complete the process.
Step 5: A Confirmation of successful payment will be provided to you through a voice-enabled system.
‘Hello UPI’ on IoT devices
Step 1: ‘Hello UPI’ is accessible to any IoT devices
Step 2: The device asks you to authenticate yourself before commencing with the process.
Step 3: Provide a voice command to make any payment.
Step 4: Input your UPI pin through your voice to complete the process.
Step 5: The divide will provide a voice confirmation once the process is done.
‘Hello UPI’ is a multilingual feature launched by NPCI to integrate digital accessibility to every Indian citizen using high-end and advanced technology. By eliminating the burden of manual dependence, ‘Hello UPI’ accelerates the UPI payment process.
