Gemini API compresses KYC verifications from two days to five seconds
Autonomous Gemini agents resolve chargebacks in seconds, down from 48 hours
BigQuery processes 2 PB of data daily across 1,000+ workflows
Analytics query execution speeds jump from 30-minute delays to seconds
Democratized AI tools shrink internal POC development from weeks to days
BharatPe uses BigQuery and Gemini models to automate merchant KYC, resolve chargebacks in seconds, and process 2 PB of data daily.
BharatPe uses BigQuery and Gemini models to automate merchant KYC, resolve chargebacks in seconds, and process 2 PB of data daily.
Eliminating operational friction to empower
millions of Indian merchants
Merchant empowerment is at the center of everything we do. Partnering with Google Cloud enabled us to modernize our data architecture, resolve scalability bottlenecks, and build a foundation that scales seamlessly with our growth.
Ajit Kumar, Chief Technology Officer, BharatPe
Empowering offline merchants across India sits at the heart of BharatPe’s mission. Beyond enabling digital payments through unified QR codes, the fintech pioneer delivers working capital micro-loans, credit, and financial management tools designed to help small businesses thrive.
As rapid commercial adoption created massive data growth across payments, lending, and consumer business units, the company’s legacy data architecture was pushed past its operational limits and data delays directly compromised business agility. It took over 30 minutes to process just three months of quarterly reports data, preventing risk and strategy teams from accessing real-time market intelligence.
Operational complexity was further compounded by a fragmented multi-cloud setup that bred data silos and synchronization lags.
The friction was most acute for everyday merchants. Essential onboarding verifications and KYC checks depended on manual reviews that took up to 48 hours to clear. Similarly, when transaction disputes or chargebacks arose, merchant funds were held in limbo during lengthy verification loops, causing severe cash-flow anxiety for small shop owners.
Sustaining hyper-growth while upholding a merchant-first promise required a cloud-native, serverless foundation capable of instant decisioning and unified data orchestration. BharatPe migrated its data ecosystem to Google Cloud to build an agile, scalable platform for real-time analytics and generative AI innovation.
A parallel multi-model pipeline for
temporal reasoning across video spans
Deploying Gemini models allowed us to convert manual, days-long verification processes into automated, multi-agent workflows. We built strict guardrails to maintain zero-hallucination standards while delivering near-instantaneous decisioning.
Ajit Kumar, Chief Technology Officer, BharatPe
Centralizing its data ecosystem, BharatPe deployed BigQuery as an enterprise analytics core, pairing it with Managed Service for Apache Airflow (formerly Cloud Composer) and Dataflow to manage pipeline streaming across multi-cloud environments. Today, this infrastructure ingests and processes up to 2 PB of data daily while orchestrating more than 1,000 automated workflows seamlessly.
Beyond this, the engineering team expanded its foundation into generative AI using the Gemini platform to accelerate merchant services. As a result, onboarding efficiency saw an immediate leap as Vision AI joined multimodal Gemini models to automate visual checks.
Now, when a merchant uploads storefront photos, Gemini dynamically evaluates key attributes, verifying signage, storefront authenticity, and business category in real time.
Dispute management underwent a similar transformation through an autonomous multi-agent platform powered by Gemini models. The system ingests dispute invoices, extracts line-item records, and cross-references them against payment logs to make autonomous chargeback decisions. BharatPe constructed deterministic, rule-based guardrails alongside confidence score thresholds in order to maintain strict financial compliance. High-confidence cases resolve automatically in seconds, while complex edge cases route instantly to human specialists.
BharatPe is also piloting conversational voice assistance through Gemini Live to filter ambient background noise in bustling markets, which aims to refine merchant touchpoints. Internally, tools like Gemini Notebook (formerly called NotebookLM) and Nano Banana have democratized AI across business units, compressing project development timelines from weeks to days.
Delivering transformative merchant impact and
enterprise-wide operational velocity
Reducing onboarding and chargeback verifications from days to seconds fundamentally changes the livelihood of small merchants across India. Google Cloud gives us the agility to innovate rapidly while driving meaningful financial inclusion.
Ajit Kumar, Chief Technology Officer, BharatPe
The implementation led to transformative business value and operational agility across BharatPe’s entire ecosystem. Sub-second analytics execution provided executive and risk teams with immediate operational visibility, turning risk management from a reactive exercise into proactive policy tuning. Offloading infrastructure management to a serverless framework freed engineering and data science teams to reallocate critical bandwidth toward building high-value products and advancing autonomous agentic workflows.
For millions of small shop owners across Tier 2 and Tier 3 Indian cities, instant onboarding eliminates the traditional friction of entering the digital economy.
Vendors can accept digital payments and access working capital micro-loans on day one, directly accelerating their daily livelihood and business growth. Rapid chargeback resolutions remove severe cash-flow anxiety by releasing held funds back to merchants almost immediately, cementing long-term platform trust and retention in a hyper-competitive market.
Internally, widespread access to generative AI cultivated an agile, self-reliant culture. Non-technical business units now independently prototype campaign assets and structure research presentations without pulling resources from engineering or design teams. Moving forward, BharatPe plans to continue deepening its strategic partnership with Google Cloud to scale enterprise-wide agentic automation, bringing the next wave of underbanked merchants into India’s financial ecosystem.
BharatPe is a leading Indian fintech empowering millions of offline merchants and small businesses with unified QR payment acceptance, micro-lending, and comprehensive financial tools.
Industry: Financial Services
Location: India
Products: BigQuery, Managed Service for Apache Airflow, Dataflow, Gemini platform, Vision AI, Gemini, Cloud Storage, Gemini Notebook, Gemini API
About Google Cloud partner – Searce
Searce is a technology-led consulting organization and Google Cloud Partner that provides modernization and cloud architecture support.
