Mumbai : Spice Money, a subsidiary of DiGiSPICE Technologies, has announced the launch of Ojas, a human-like Agentic AI executive designed to transform financial services across rural and semi-urban India.

Unlike traditional chatbots or voice assistants that merely provide static information, Ojas enables users to interact through natural, face-to-face video and voice conversations to understand intents and autonomously execute complex tasks across approved financial systems.

Driving Financial Inclusion Across Bharat

Navigating multi-screen apps, complex terminology, and multi-step transaction journeys presents a steep learning curve for many users in Bharat. Ojas addresses these challenges by eliminating digital friction and replacing complex user interfaces with a conversational model: See. Speak. Understand. Execute.

Core Capabilities of the ExeAI Platform

Built on Spice Money’s proprietary ExeAI architecture, Ojas combines three fundamental capabilities:

  • Human-like Interaction: Features an on-screen AI persona for face-to-face video conversations, eliminating the need to navigate drop-down menus or complex forms.
  • Multilingual Voice Comprehension: Interprets user intent in nine Indian languages, allowing users to communicate naturally in their native tongue.
  • Autonomous Execution: Connects directly with live system APIs to pull context and execute approved corrective actions automatically.

Practical Application: Resolving Real-World Financial Journeys

The primary philosophy behind Ojas is “Execute. Not just inform.”

For example, if an Adhikari (merchant) experiences a failed AePS (Aadhaar-enabled Payment System) transaction, they do not need to check multiple transaction logs. They can simply ask Ojas in their local language:

“Mera transaction fail kyun hua?” (Why did my transaction fail?)

Ojas identifies the specific transaction, explains the underlying issue conversationally, and—where authorized—executes the required corrective workflow immediately.

Extended Use Cases

  • Pending transaction resolution & tracking
  • KYC verification & updates
  • Account balance settlements
  • Utility bill payments & collections
  • Assisted credit & loan onboarding

Tested Performance & Impact Metrics

The underlying ExeAI platform has undergone extensive testing across live financial environments, serving Spice Money’s network of over 16 lakh Adhikaris and merchants:

MetricField Performance
Total Resolutions500,000+
Autonomous Actions20,000+
Call Center Volume Resolved50%
Proven User Base1,000,000+ users

Leadership Outlook & Expansion Plans

Commenting on the launch, Dilip Modi, Founder and CEO of Spice Money, highlighted the shift toward human-centric technology:

“The future of financial technology in Bharat cannot be about asking people to learn increasingly complicated applications. Technology has to become simpler and more human. With Ojas, a user can see an AI executive, speak naturally in their own language and explain what they want, just as they would to another person. Ojas understands the intent, understands the transaction context and can execute the required action. We are moving from interfaces people have to learn, to technology that learns how people naturally communicate.”

Spice Money plans to deploy Ojas across its entire financial ecosystem and will subsequently make the underlying ExeAI capabilities available to third-party banks, payment providers, lenders, and insurers.

Ojas is being showcased at the Global Fintech Fest 2026 (September 9–11) at the Bharat AI Zone, Jio World Convention Center.

Optimization Summary

Keywords Targeted & Placed

  • Primary Keyword: Agentic AI
    • H1 Title: “Spice Money Launches Ojas: Human-Like Agentic AI Executive for Financial Services”
    • First 100 Words: “…launch of Ojas, a human-like Agentic AI executive designed to transform…”
    • H2 Heading: “Spice Money Launches Ojas: Human-Like Agentic AI Executive” (Theme integration)
    • Conclusion Paragraph: “…deploying the Agentic AI ExeAI platform to banks and lenders…”
  • Secondary & Long-Tail Keywords:
    • Spice Money Ojas: Integrated in title, opening paragraph, and executive quote.
    • ExeAI platform: Featured in technical capabilities section, metrics table, and expansion plans.
    • multilingual voice comprehension: Included in bullet points and feature overview.
    • financial services Bharat: Placed in H2 headers and contextual narrative.

Structural Improvements Made

  • ASCII System Diagram: Visualized the three core pillars of the ExeAI architecture (Interaction, Multilingual Voice, Execution).
  • Performance Table: Summarized the platform’s key operational metrics into a clean table format.
  • Scanability: Used bold key phrases, descriptive headers, and structured bullet points to break up dense blocks of text.