Google Launches Ask Google Pay: Gemini AI Chatbot Analyzes Your Spending Habits in India

Gemini is moving into Google Play, and it has front-row seat to your spending habits

Checking the transaction history on Google Pay can tell you where your money went, but going through the long list of merchant names and other payments can get tough to stay on top of. Or at least Google seems to think so, as it's bringing Gemini to Google Pay. The company has launched Ask Google Pay, an opt-in conversational AI experience built directly into its payments app in India. Users can ask questions about their spending, request savings suggestions and learn about financial concepts. It will even share personalized offers based on their activity. Recommended Videos So you could, for example, ask where most of your money went last month or get a better understanding of your credit score. Gemini can study your transaction history Ask Google Pay uses information from your Google Pay transaction history and credit report data to produce personalized answers. It accepts text and voice queries and currently supports 10 Indian languages. Google says the experience can also recommend tailored offers, such as identifying a credit card suited to travel expenses. This basically combines spending analysis with financial education and AI. Though I'm not sure how the company plans to handle these "financial recommendations". Ask Google Pay is being pushed as an educational tool rather than a source of financial advice. It also says the experience is optional and that users retain control over their financial data. The feature begins rolling out in India today. Google Pay has another credit card for India Google is also expanding Flex, its entirely digital credit card experience, through a new partnership with SBI Card. The company originally introduced Flex with Axis Bank in December 2025. Meanwhile, the new Google Pay Flex SBI Card can be requested inside the app without physical paperwork. In India, Google Pay started as a quick way to send money and scan UPI codes. With Gemini analyzing expenses and credit cards living inside the app, Google wants a much larger role in how Indians understand, borrow, and spend their money.

Ask Google Pay Explained: What It Is, Features, How to Use, and More

* Ask Google Pay provides transaction insights to users * Ask Google Pay can breakdown complex financial terms * Ask Google Pay is rolling out to users gradually Google has been rolling out various updates, bringing new features to the Google Pay app, its digital payments platform. Building on this, the Mountain View-based tech giant launched Ask Google Pay for users in India with the aim to offer a conversational experience within the digital payments app. The update introduces a dedicated AI chatbot in the Google Pay app, which lets you get insights based on your past UPI transactions made through the app. The chatbot is powered by Google's Gemini AI models, bringing generative capabilities to the Google Pay app. Ask Google Pay can also create infographics, which are claimed to help you manage your finances better. If you are wondering what Ask Google Pay is, how you can enable it on your phone, and how you can use it, we have prepared an explainer to help you with the same. What is Ask Google Pay? Ask Google Pay is a dedicated Gemini-powered chatbot, integrated directly into the Google Pay app on your smartphone. The tech giant is currently rolling out the functionality in phases. As previously mentioned, Google aims to bring a conversational experience to its digital payments platform with the launch of the Ask Google Pay feature. Google claims that it will help users manage their finances better and help users become more fiscally disciplined. With a text prompt, you can request Ask Google Pay to analyse your past spending. You can ask the Ask Google Pay chatbot to look at your last month's transactions, and the AI chatbot will then retrieve the data to generate various kinds of infographics, like a pie chart, and list the transactions based on categories. Ask Google Pay is also capable of providing its own observations. Further, the Ask Google Pay chatbot provides tips on how you can improve your spending patterns. It is capable of curating tailored offers and finding credit card options based on your financial habits. If you want to understand complex financial concepts, like compounding interest, SIPs, and credit scores, the chatbot can also simplify them. On top of this, you can also ask it to explain the differences between tax regimes. To offer more personalised recommendations and suggestions, Ask Google Pay can refer to your transaction history and credit report data. It can understand and answer your queries in 10 Indian languages. You can use text or voice commands to use Ask Google Pay. How to Enable Ask Google Pay on Your Phone Ask Google Pay is an opt-in, which means that you will manually have to enable it. To turn it on, you can follow the steps mentioned below. How to Use Ask Google Pay on Your Phone

Google in India embeds AI into Google Pay

This content has been selected, created and edited by the Finextra editorial team based upon its relevance and interest to our community. With Ask Google Pay, users can chat with the app to get savings tips, explore tailored offers, and learn about financial concepts like SIPs or credit scores. Gemini digs into a user's transaction history and credit report data to provide personalised suggestions across a choice of ten Indian languages. The AI assistant will decode financial terms and provide eduational content, such as breaking down concepts like compounding interest or explaining about the differences between tax regimes. Separately, Google is expanding its buy now, pay later credit card Flex by Google Pay by partnering with State Bank of India to launch a co-branded card for use on both RuPay and Visa networks. Rolling out soon, all Flex card customers will be eligible to access the Google AI Plus plan (including 400GB and 2TB storage) at 50 percent off for one year. Cardholders will also be able to get a discount across the entire range of Google Pixel smartphones.

This AI Chatbot Can Help You Keep Track of Your Google Pay Payments

* Ask Google Pay can generate answers based on spending data * Google claims that the financial data is saved * Users need to enable Personalisation within Google Pay Google Pay has received multiple updates since its launch in India, adding various functionalities to the digital payments platform. Now, the Mountain View-based tech giant has launched Ask Google Pay, a Gemini-powered AI chatbot, directly inside the app, which offers a "new conversational experience". The new Ask Google Pay AI chatbot is capable of answering questions based on a user's spending Google Pay spending behaviour, allowing users to get insights on the same. Apart from this, Google has announced its partnership with the State Bank of India (SBI) to launch the Google Pay Flex SBI Card in India, which is built on the RuPay network. Ask Google Pay Brings 'Conversational Experience' to the Digital Payments App In a blog post on Wednesday, the Mountain View-based tech giant announced the launch of Ask Google Pay, which is a dedicated AI chatbot, powered by Google's Gemini AI models. It is an opt-in functionality, which introduces a conversational AI experience to Google Pay users. With Ask Google Pay, users will be able to ask the digital payments platform to analyse their spending, which is claimed to help users monitor their spendings better. Users will have to enable Personalisation within Google Pay to access the feature. For reference, a user can ask the Ask Google Pay chatbot to analyse their last month's spending. In response, the AI chatbot will retrieve the said data, and present as a pie chart, list the transactions based on categories, present observations, and provide tips on how a user can improve their spending pattern. Similarly, Ask Google Pay can look for tailored offers and find credit card options based on a user's spending habits. It can also breakdown and simplify financial terms like compounding interest, and explain the differences between tax regimes. Google further highlighted that Ask Google Pay can learn about financial concepts like SIPs and credit scores for users. While generating responses, Google Pay's AI chatbot can refer to a user's transaction history and credit report data, which is claimed to help it provide personalised recommendations and suggestions. The tech giant says that Ask Google Pay can understand and answer user queries in 10 Indian languages. Users can either use text or voice commands to use Ask Google Pay. Apart from this, the tech giant has announced that it is expanding the availability of its digital credit card with the launch of Google Pay Flex SBI Card, in partnership with SBI. The Google Play Flex SBI Card is built on the RuPay network and is currently available for users. This builds on company's Google Play Flex Axis Card, which was launched in India last year.

Google Pay gets Gemini-powered Ask Google Pay AI assistant, launches Flex SBI Card

Google has introduced Ask Google Pay, a Gemini-powered conversational AI experience within the Google Pay app in India, along with the Google Pay Flex SBI Card in partnership with SBI Card. The new features focus on helping users understand their spending, access financial information, and manage everyday credit through Google Pay. Ask Google Pay AI assistant UPI has simplified digital payments, but users may still need help understanding their transactions, managing money, and tracking their spending. To address this, Google has introduced Ask Google Pay, an opt-in conversational AI experience built into the Google Pay app. Powered by Google's Gemini models, Ask Google Pay helps users analyse spending patterns, get savings tips, explore tailored offers, and learn about financial concepts such as SIPs and credit scores. With Ask Google Pay, users can: * Analyse their spending patterns and understand where their money is being spent. * Get suggestions to save better and manage their money. * Explore tailored offers, including help finding a suitable credit card for travel expenses. * Learn about financial topics such as SIPs and credit scores. * Understand financial terms, compounding interest, and differences between tax regimes. The AI assistant provides personalised suggestions based on Google Pay transaction history and CIBIL report data available with Google Pay. Users can interact with Ask Google Pay through text input or voice queries and receive responses in supported Indian languages, with support available in 10 Indian languages. Google said Ask Google Pay provides financial information and insights for educational purposes only and is not a replacement for professional financial advice. Since the feature is powered by AI, responses may occasionally contain errors. Google recommends that users avoid sharing sensitive information such as passwords, PINs, full account numbers, or other financial identifiers with Ask Google Pay. Privacy and data handling Ask Google Pay uses information such as Google Pay transaction history and CIBIL report data, where users have provided consent, to provide personalised suggestions. The Personalization within Google Pay setting is required to use the feature and is turned off by default. Google also said that: * User data remains within the Google Pay ecosystem. * Data is not shared with third-party applications. * Data is not used to train Google's AI models. * Ask Google Pay does not access or process full credit or debit card numbers, complete bank account numbers, or government-issued financial IDs. Google Pay Flex SBI Card features Google has expanded its Flex by Google Pay credit card experience through a partnership with SBI Card. The Google Pay Flex SBI Card is built on the RuPay network and allows users to apply directly from within the Google Pay app without physical paperwork. The card supports payments across both RuPay and Visa networks. Users can earn Stars on Flex transactions, redeem them instantly, and convert their latest outstanding credit card bill into EMI options. Key features of the Google Pay Flex SBI Card include: * Apply directly through Google Pay without physical paperwork. * Use the card across RuPay and Visa payment networks. * Earn Stars on every Flex transaction, with 1 Star equal to ₹1. * Redeem Stars instantly for eligible transactions. * Convert outstanding credit card bills into EMI options. Benefits for Flex users Google will soon provide Flex card customers access to the Google AI Plus plan at a 50% discount for one year. The offer includes storage options of 400GB and 2TB. Flex users will also earn additional Stars for everyday purchases and receive discounts across the Google Pixel smartphone range. Availability Ask Google Pay is currently rolling out to a limited number of users in India and may not be available for everyone yet. The feature is available through the Google Pay app for eligible users. The Google Pay Flex SBI Card is available starting today through the Google Pay app for eligible users.

Google Pay Gets AI Upgrade in India with 'Ask Google Pay' Personal Finance Assistant

Google Pay introduced a new artificial intelligence-powered feature in India that aims to make personal finance management more intuitive. Called 'Ask Google Pay', the Gemini-backed conversational assistant allows users to interact with the app using natural language to better understand their spending habits, discover savings opportunities, and learn about financial concepts. The rollout marks Google's latest effort to integrate generative AI into consumer financial services while reinforcing privacy safeguards around sensitive payment data.