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  1. WTF is with Nikhil Kamath
  2. Who Gets To Decide How India Pays? | WTF is Payments? | Trailer
Who Gets To Decide How India Pays? | WTF is Payments? | Trailer

Who Gets To Decide How India Pays? | WTF is Payments? | Trailer

WTF is with Nikhil Kamath · Oct 14, 2026

Industry leaders dissect India's payment rails, debating UPI market caps, bank regulations, and the imminent impact of agentic AI commerce.

Regulatory Market Share Caps Protect Emerging Competitors but Disrupt Free Consumer Choice

The panel clashes on whether imposing artificial market caps on dominant payment apps is beneficial. Proponents argue that an entity controlling 90% of the market makes entry impossible for newcomers, while critics counter that consumers should retain unconstrained choice in an already competitive ecosystem.

Who Gets To Decide How India Pays? | WTF is Payments? | Trailer thumbnail

Who Gets To Decide How India Pays? | WTF is Payments? | Trailer

WTF is with Nikhil Kamath·10 days ago

AI Agentic Commerce Will Transform Payments by Changing How Buying Decisions Occur

Speakers debate whether high token costs stall agentic commerce or if autonomous transactions are poised to explode. Even if consumers do not transact directly within chat interfaces, enabling agents to execute purchases alters transaction dynamics without necessarily requiring new underlying payment rails.

Who Gets To Decide How India Pays? | WTF is Payments? | Trailer thumbnail

Who Gets To Decide How India Pays? | WTF is Payments? | Trailer

WTF is with Nikhil Kamath·10 days ago