How event-driven AI and invisible security are powering Credit-on-UPI at scale

As India’s digital payments ecosystem moves into its next phase, the focus is shifting from access and velocity to intelligence, resilience and trust. Kiwi is engineering its platform for this transition by rethinking how credit, risk and security operate in real time within UPI-native experiences.

In an exclusive conversation with Express Computer, Akshat Kansal, CTO, Kiwi, shares their technology roadmap for 2026, built on four core pillars: event-driven architecture, UPI-native credit infrastructure, AI-first decision systems and zero-trust security. Together, these elements are designed to make credit feel as seamless and instantaneous as traditional UPI payments, while operating reliably at population scale.

As we move into 2026, what core technology pillars will guide Kiwi’s roadmap for scaling secure, seamless and compliant digital payments, particularly within a rapidly expanding digital credit ecosystem?

As India’s digital credit ecosystem accelerates, Kiwi’s 2026 technology vision is built on ...