India’s AI-Powered Consumer Revolution: E-Commerce, Digital Payments, and Smart Retail

This book explores the transformative impact of artificial intelligence on India's consumer economy, focusing on the convergence of e-commerce, digital payments, and smart re-tail technologies. From the foundational shifts in digital infrastructure and mobile penetration to the rise of AI-powered recommendation engines and personalized re-tail experiences, India is undergoing a profound consumer revolution. The book delves into the structure and growth of key digital platforms, such as UPI and mobile wallets, while also examining the intersection of financial inclusion, data privacy, and consumer protection. Through a multidisciplinary lens that includes economics, technology, sociology, and policy studies, it articulates how AI is enabling hyper-personalized commerce, driving inclusive access to digital finance, and reshaping supply chains and last-mile logistics. Moreover, it critically assesses the ethical, regulatory, and infrastructural challenges that accompany rapid digitization in a diverse and populous democracy. Designed for academics, industry professionals, and policymakers, this work presents a future-facing roadmap for building a resilient, inclusive, and intelligent consumer ecosystem in India. Keywords: AI in e-commerce, digital payments, smart re-tail, India consumer behavior, UPI, digital wallets, personalization, fintech, algorithmic governance, re-tail innovation, mobile commerce, data ethics