AI-driven personalisation to unlock startup opportunities in India

Razorpay CEO Harshil Mathur has highlighted artificial intelligence as a potential game-changer for India's startup ecosystem, particularly in enabling smaller companies to deliver tailored experiences without proportional increases in operational costs. The fintech entrepreneur pointed to AI's capacity to democratise personalisation, traditionally a costly affair requiring substantial engineering resources and customer data infrastructure.

Mathur identified several emerging segments where AI-powered personalisation could create fresh opportunities for entrepreneurs. Gen Z payment solutions represent one such frontier, with younger consumers demanding seamless, customised transaction experiences. Similarly, high-net-worth individual wealth management platforms could leverage AI to provide individualised advisory services at scale, while multilingual technology platforms could use the technology to adapt content and services for India's diverse linguistic landscape.

The comments underscore how artificial intelligence is reshaping competitive dynamics across sectors. Rather than requiring massive upfront investments in infrastructure or customer acquisition, startups can now leverage AI tools to personalise user experiences efficiently, potentially allowing them to punch above their weight against larger, established competitors.

For India's entrepreneurial ecosystem, the implications are significant. Reduced barriers to entry in personalisation technology could accelerate innovation across fintech, consumer services, and digital platforms, creating opportunities in markets previously considered unviable for capital-constrained startups.