India Payments Trends Report 2026
Thought leadershipThe India Payments Trends 2026 report shows how quickly the country’s digital payments landscape is changing, driven by new technologies, policies, and innovation.
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Accelerate. Innovate. Modernise.

Grant Thornton Bharat’s AIM is an AI-powered Automated Implementation Methodology focused on accelerating, innovating and modernising ERP implementation programmes. AIM combines intelligent agents, implementation accelerators, reusable knowledge assets and human expertise to fundamentally transform how ERP programmes are delivered.
AIM Fusion is the Oracle Fusion implementation methodology within this framework, enabling organisations to move beyond traditional Oracle Fusion implementation approaches and accelerate business transformation outcomes through a scalable Human + AI delivery model. By bringing proprietary AI agents together with SME expertise, it helps accelerate delivery, improve consistency and connect the implementation journey from discovery through deployment. The result: greater agility, stronger governance and faster, more consistent ERP transformation outcomes.
Traditional Oracle Fusion implementation services rely heavily on manual effort and specialist expertise. Teams spend significant time translating workshops into requirements, preparing configuration workbooks, developing solution designs, creating test scripts and training materials, and conducting quality reviews.
As programmes grow, this creates several challenges:
Critical delivery knowledge often resides with experienced SMEs.
Significant effort goes into gathering information, drafting and reviewing project artefacts.
Lessons from previous implementations are not always systematically reused.
It can be difficult to connect a business requirement through design, configuration, testing and training cycle.
Repeated capture, documentation and review cycles impede the pace of Fusion transformation programmes.
For organisations undertaking ERP transformation programme, these constraints can slow delivery, increase effort and make it harder to maintain consistency and control at scale.
AIM Fusion brings together the best of AI and human expertise to transform how Oracle Fusion Cloud Applications are implemented. Our proprietary multi-agent architecture uses specialised AI agents across the implementation lifecycle. Each agent is designed for a specific delivery activity and draws on structured knowledge from Oracle and Grant Thornton Bharat to generate consistent, reusable outputs. Experienced SMEs remain central to the process, reviewing, validating and refining AI-generated outputs through defined human guardrails.
Transforms workshop inputs, RFPs, requirement documents and existing process information into structured functional business requirements, performs early fit gap as per prior programme solutions, and helps generate PaaS extensions, reporting, conversions and Integration catalogues and their draft functional specifications.
Enabling: Accelerated requirement definition with a solution-oriented approach, including early fit-gap, along with high-level functional specification designs for reports, integrations, and extensions.
Uses approved requirements and configuration inputs to support solution design, including process flows, detailed configurations, security-role-based design, and detailed reporting, integration and extension functional designs.
Enabling: Accelerated design development with tried-and-tested solution options, proposed configuration options, and functional specifications covering integrations, reporting and extensions.
Uses the approved requirements, solution designs, configuration decisions and functional specifications to generate testing and training deliverables, including SIT scripts, role based training guides, quick-reference material and assessments.
Enabling: Accelerated user adoption through exhaustive testing scenarios covering 100% of requirements, alongside personalised training for Users and Super Users, and first-in-industry training assessments that track the user learning journey from beginner to intermediate to expert levels.
Validates the actual configuration deployed in UAT/Production against the proposed, signed-off solution requirements, design and configuration. Identifies any missed system configurations and ensures project design/configuration documentation and system configuration remain fully aligned.
Enabling: High confidence in the solution, ensuring alignment with end-to-end requirements traceability.
Our Microsoft 365 Copilot environment is secured through enterprise-grade controls, including tenant isolation, encryption, role-based access controls, sensitivity labels, retention policies, audit logging, and Microsoft Purview governance capabilities. Client data accessed through Copilot remains protected within our Microsoft 365 security boundary and is not used to train foundation AI models.
Beyond technology controls, our robust structured AI governance framework covers AI agent creation, approval, deployment, and distribution. AI agents are subject to governance reviews, business justification, security validation, and access control requirements before release.
Critical business processes continue to incorporate human-in-the-loop oversight to ensure accountability, accuracy, and appropriate decision-making.
Our strong AI security posture through AI Security Posture Management (AI-SPM) practices, enables visibility into AI usage, sensitive data exposure risks, governance compliance, and agent lifecycle management. In parallel, our AI governance program is aligned with emerging international best practices, including preparation for ISO/IEC 42001, reinforcing our commitment to responsible, transparent, and trustworthy AI adoption across our client and business ecosystems.
AIM Fusion uses four specialised AI agents across the implementation lifecycle, connecting activities from discovery through validation.
AIM Fusion accelerates high-volume delivery activities across the implementation lifecycle, helping teams move faster from requirements through design, testing and training. The methodology is designed to reduce the time from requirements to deployment by more than 30%.
AIM Fusion enables 100% traceability from requirements through discovery, design, configuration, testing and training. Every stage of the implementation can be traced back to the underlying requirements, right from discovery documents to design and functional specification documents, through configurations, test cases and training manuals.
AIM Fusion is built around our proprietary agent architecture, with specialised agents performing distinct delivery roles rather than relying on a single generic AI capability. Every agent specialises in their role, powered by a wealth of information on past projects and deliverables. Your data is secured by Microsoft/Copilot enterprise data security. The solution operates within our Microsoft 365 Copilot environment, supported by enterprise-grade security and governance controls.
AIM Fusion combines the speed and consistency of AI with the contextual understanding of experienced Oracle Fusion Functional and Technical SMEs. Human guardrails enable SME teams to validate outputs, provide feedback and make changes where required.
AIM Fusion brings together lessons and reusable assets from hundreds of Fusion engagements, helping teams apply proven knowledge more consistently across programmes. This reduces reliance on recreating knowledge within individual projects and enables teams to benefit from accumulated implementation experience.
Validation is embedded throughout the methodology, helping identify missing information, traceability gaps and readiness issues before deployment.
The India Payments Trends 2026 report shows how quickly the country’s digital payments landscape is changing, driven by new technologies, policies, and innovation.
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