How India’s fintech revolution reveals why tax advisory still needs the human heart

The continued upward trajectory of digital payments in India is clearly demonstrated by the Unified Payments Interface (UPI) processing over Rs 23.6 lakh crore in transactions in April 2025. This volume reflects India’s growing comfort with digital payments as well as expectations that technology, particularly AI, will seamlessly manage even the most intricate aspects of our personal finances. AI has indeed proven its mettle. It is able to scan documents, reconcile data, spot inconsistencies, and recommend deductions with impeccable accuracy and speed. However, here’s what I’ve learned from years in fintech: even if AI can master the structure of tax compliance, it struggles profoundly with nuance.