GAHNA UPI ODR – AI-Powered Online Dispute Resolution for India's Digital Payment Ecosystem

Revolutionizing UPI Dispute Resolution with Sovereign AI

GAHNA UPI ODR is a specialized Small Language Model (SLM) developed under the GAHNA initiative by ExorionAI. It is India's first sovereign AI model purpose-built to automate and streamline Online Dispute Resolution (ODR) for the rapidly expanding Unified Payments Interface (UPI) ecosystem.

As digital payments surge across India, disputes involving failed transactions, chargebacks, fraudulent transfers, and delayed credits have become increasingly frequent. GAHNA UPI ODR is designed to intelligently analyze, classify, and resolve these disputes in real-time—within the guardrails of regulatory compliance and data sovereignty.

Key Features of GAHNA UPI ODR

• Automated Dispute Classification
  Quickly identifies the dispute type—failed transactions, wrong beneficiary, fraud, double debits, or reversals—based on transaction metadata and user inputs.

• Intelligent Reasoning and Response Generation
  Uses domain-trained reasoning to determine probable causes and generate contextual, explainable responses for both end-users and backend operators.

• Faster Chargeback Handling
  Reduces time to resolution by automatically suggesting appropriate workflows, timelines, and decision outcomes based on RBI/NPCI policies and dispute templates.

• Multi-Entity Collaboration
  Integrates with banks, payment service providers, third-party app providers (TPAPs), and grievance redressal portals to ensure coordinated dispute handling.

• Multilingual & Citizen-Centric
  Supports resolution and explanation generation in Hindi, English, Marathi, and other Indian languages to enable inclusive dispute redressal for citizens across urban and rural areas.

Built for Bharat's Financial Backbone

GAHNA UPI ODR is designed to serve all stakeholders in India's fintech and banking ecosystem:

• Banks and Financial Institutions
  Reduce ODR costs, increase compliance speed, and improve customer experience with AI-assisted automation.

• Digital Payment Apps and Wallets
  Enhance dispute response accuracy, offer proactive resolution suggestions, and reduce human intervention in high-volume query flows.

• Government Portals and Regulators
  Deploy as a sovereign, explainable AI layer for centralized grievance redressal platforms under MeitY, RBI, NPCI, and the Digital India mission.

• Cooperative and Rural Banks
  Leverage the offline and low-resource version for affordable automation in semi-urban and rural financial institutions.

Technical Overview

• Model Type: Small Language Model (SLM) specialized for financial text reasoning

• Training Dataset: Fintech-specific complaints, NPCI rulebooks, RBI guidelines, and synthetic dispute datasets

• Architecture: Lightweight, inference-optimized transformer-based model

• Deployment Options: On-premise, cloud, hybrid, or API-based delivery

• Security: End-to-end encrypted pipelines, air-gapped availability, no third-party data transfer

• Language Support: English, Hindi, Marathi (with future extensions to regional Indian languages)

• Explainability: Every decision is logged, traceable, and auditable for regulatory review

Why Sovereign AI for UPI Disputes?

• Zero Dependency on foreign AI APIs or cloud infrastructure

• Data Privacy preserved under India's DPDP Act and MeitY guidelines

• Financial Inclusion enabled through localized, multilingual support

• Scalability to handle millions of daily micro-disputes

• Trust and Transparency ensured through explainable and auditable decision-making

Strategic Impact

GAHNA UPI ODR helps India's financial system:

• Build citizen trust in digital payments by resolving issues faster and more transparently

• Reduce manual load on customer service and compliance teams

• Support Digital India, Jan Dhan, and FinTech 4.0 initiatives with intelligent automation

• Serve as a digital grievance backbone for future payment innovations like eRUPI, CBDC, and ONDC payment flows

Collaborate With Us

ExorionAI is actively onboarding:

• Banks and NBFCs looking to pilot UPI ODR automation

• Fintech platforms handling large-scale consumer grievances

• Government departments working on national ODR infrastructure

• Academic institutions researching financial LLMs and regulatory tech

Let us co-create an AI-first, citizen-first, sovereign-first future for digital finance in India.