Google Pay Gets Ask Google Pay AI Assistant Powered by Gemini

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Google has introduced Ask Google Pay in India, a Gemini-powered AI assistant that helps users analyse their spending, understand financial concepts and get personalised insights directly within the Google Pay app.

A new feature of Google's Google Pay application in India will soon be equipped with the power of artificial intelligence technology. Ask Google Pay is a new AI-powered feature that allows users to become owners of a personal finance assistant which analyses the user's spending habits by using Google's Gemini AI models.

Instead of analyzing the long list of UPI transactions, people using the Google Pay app in India will be able to ask the assistant questions about their expenditures like how much they have spent for food last month or what they have done with their money for the last week. This AI assistant can analyze data and present it visually in the form of charts and also give personalized suggestions to the user.

Ask Google Pay is a part of Google's strategy to use artificial intelligence in its products to make life easier for users. For Google Pay users, this new feature will help them to get financial information more easily and without performing any manual calculations.

What Is Ask Google Pay?

Ask Google Pay is an AI chatbot integrated directly into the Google Pay app. The chatbot uses the Gemini AI models of Google to help people communicate with their financial data using natural language.

As soon as people grant permission to the Google Pay app to access the data about their transaction history, the AI assistant will be able to analyse that information and provide people with answers to their questions based on their financial behaviour on the platform. In other words, people will be able to ask questions to the assistant using natural language rather than going through the menu.

Google claims that the new feature is meant to help people make sense of their finances.

What Can Ask Google Pay Do?

Ask Google Pay is not only limited to providing details about your transaction history. An AI assistant can help you analyze your spending habits and transform the data into insights.

Users have an option to make the assistant analyze their spending in a certain period of time and find out where they spend money. Additionally, the service helps to automatically categorize transactions and see how much a user spends on food, shopping, traveling, or other expenses.

Moreover, Ask Google Pay provides an option to create charts and visualize your spending habits. In this way, instead of going through a list of UPI payments, users can get a better visual representation of their expenses.

The service can find the spending habits of users and offer some recommendations that will help users to save money. It can give users information about credit cards that might be useful for them based on their financial activity.

Examples of Questions You Can Ask Ask Google Pay

The conversational nature of the feature means users don't need to use specific commands. They can simply ask questions in a natural way.

For example, you could ask:

How much did I spend on food last month?
Analyse my spending from last week.
Where did most of my money go this month?
What credit card could be suitable for my expenses?
Explain compound interest.
What is a SIP?
What is the difference between the old and new tax regime?

The assistant then uses the available information to provide a response based on the user's question and, where relevant, their Google Pay transaction history.

How to Enable Ask Google Pay

Ask Google Pay is an optional feature, meaning users need to enable personalisation in Google Pay before the assistant can use their transaction information for personalised responses.

To enable it, follow these steps:

Step 1: Open the Google Pay app on your smartphone.

Step 2: Tap the You tab in the bottom-right corner.

Step 3: Open Settings.

Step 4: Go to Privacy & Security.

Step 5: Select Data and Personalisation.

Step 6: Turn on Personalisation within Google Pay.

Once personalisation is enabled, Ask Google Pay should become available when Google rolls out the feature to your account.

How to Use Ask Google Pay

After the feature becomes available on your Google Pay account, accessing the AI assistant is relatively straightforward.

Step 1: Open the Google Pay app.

Step 2: Tap Money at the bottom of the screen.

Step 3: Look for the Ask about your finances section.

Step 4: Tap Ask a question.

Step 5: Type your question or use your voice to ask it.

Ask Google Pay will then process the question and, where permission has been provided, use your Google Pay transaction information to generate a personalised response.

This makes the experience more conversational than traditional expense-tracking tools, as users can ask follow-up questions instead of manually navigating through multiple sections of the app.

Is Ask Google Pay Secure?

Given the sensitivity of the information associated with financial details, privacy and security concerns are also relevant for the service.

According to Google, this feature utilizes users’ financial and transactional data to give personalized answers. Access to transaction data is possible if personalization is turned on within Google Pay.

Hence, it would be good for users to know which permissions they have granted before using AI-enabled financial tools. Since any service working with transaction data allows to use some privacy settings, one may also want to consider this aspect while using Google Pay.

Ask Google Pay is a tool meant to help in getting financial information and tips, however, at the same time, users should treat AI-powered financial suggestions as general advice and not as professional financial recommendations.

Is Ask Google Pay Free?

Yes, Google offers Ask Google Pay service without any extra charge. There is no need for you to subscribe to any other paid subscription to use the AI assistant.

The assistant is integrated with Google Pay, but depending on whether it is rolled out by Google, you may be able to access it.

Why Can't I See Ask Google Pay in Google Pay?

The absence of Ask Google Pay feature in the Google Pay app on your device doesn't automatically suggest that there is an issue with your smartphone.

This is being introduced by Google in phases and therefore it might be a while before this becomes available to everyone in India who qualifies for it.

Before trying any other troubleshooting measures, ensure that you have the latest version of Google Pay and that Personalization in Google Pay is turned on under privacy settings.

Even after ensuring that the setting is enabled, you still need to wait for the feature to become active for your account.

Ask Google Pay Could Make Everyday Money Management Easier

Google’s new offering would allow users of Google Pay to get a conversational insight into their daily spending. Instead of manually going through each transaction using the UPI app, users can ask questions and get an insight from the data analysis done by Gemini-powered AI.

The ability to provide spending insights, categorise transactions, make visualisations and explain financial terms could help make this feature more relevant for users who are looking for an easy way to learn about their finances.

It must be noted here that the financial insights generated through the AI should not be regarded as personalised financial advice. It must be seen as a useful tool to gain an insight into spending patterns and financial knowledge.

With further rollouts of Gemini-powered features in various Google offerings, Ask Google Pay could turn out to be an interesting addition for Indian users using UPI and Google Pay.

Frequently Asked Questions

What is Ask Google Pay?

Ask Google Pay is an AI-powered chatbot built into Google Pay and powered by Google's Gemini AI models. It can help users analyse spending, understand financial concepts and receive personalised financial insights.

Can Ask Google Pay analyse UPI transactions?

Yes. With the user's consent and personalisation enabled, Ask Google Pay can analyse transaction information available through Google Pay and provide spending insights, categorisation and visual representations.

Is Ask Google Pay free?

Yes. Google offers Ask Google Pay at no additional cost to users.

Which languages does Ask Google Pay support?

Google says the AI assistant supports 10 Indian languages and can be used through both text and voice interactions.

Why is Ask Google Pay not showing on my phone?

Google is rolling out the feature gradually. If it is not available yet, update the Google Pay app and check whether Personalisation within Google Pay is enabled. The feature may still take some time to reach your account.

Can Ask Google Pay explain financial concepts?

Yes. Users can ask Ask Google Pay about concepts such as SIPs, compound interest, credit scores and the differences between India's old and new tax regimes.