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SMART INDIA HACKATHON 2026

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  • Problem Statement ID – 26199
  • Problem Statement Title:-

Student Innovation – Technology ideas in tertiary sectors like Hospitality, Financial Services, Entertainment and Retail

  • Theme- Miscellaneous
  • PS Category- Software
  • Team ID-185422
  • Team Name: Tech Ninjas

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� Speepay-Voice-First Financial Safety & Payment Assistant

Speepay

Proposed Solution

A voice-first layer on top of existing UPI infrastructure. Users speak to initiate payments; before confirming, SpeePay identifies the recipient, checks for scam risk (SMS + transaction analysis), and reads out a simple summary for confirmation — followed by multi-layer authentication (face/fingerprint/PIN). Includes automatic low-network handling to queue and confirm payments once connectivity returns.

How it Addresses the Problem

Replaces confusing text UI with simple spoken confirmation

Flags scam/risk indicators before payment, not after

Lets users correct details (e.g., wrong recipient) before money moves

Prevents failed/unclear transactions on poor networks

Removes literacy and interface barriers for elderly/rural/low-digital-literacy users

Innovation & Uniqueness

"Understand → Verify → Confirm → Pay" — makes user comprehension part of the payment flow, not an afterthought

Combines voice UX + real-time scam detection in one confirmation step (most apps offer only one)

Risk explanations, not blind block/allow — reduces false-alarm frustration

Built on existing UPI rails — deployable without new payment infrastructure

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TECHNICAL APPROACH

  • Technologies to be Used

Frontend: Flutter

Backend: Node.js / Express

Database: Supabase / PostgreSQL

Scam Detection: Pattern recognition & rule-based risk analysis

Voice: Speech-to-Text + Text-to-Speech

Security: Face + Fingerprint + PIN/Password

Payments: UPI integration

Connectivity: Network monitoring for low net mode

Speepay

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FEASIBILITY AND VIABILITY

Analysis of the Feasibility of the Idea

  • Uses existing smartphone hardware- microphone, speaker, camera, biometric sensors
  • Voice interaction simplifies payment navigation
  • Pattern recognition algorithms analyse SMS content for scam indicators
  • Integrates with existing UPI infrastructure — no new payment network needed
  • Network monitoring enables automatic low-network handling
  • RBI info & official financial schemes deliverable through a centralized info layer

Speepay

Speepay

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IMPACT AND BENEFITS

  • Potential Impact on the Target Audience
  • All digital-payment users, with particular benefit for:
  • Elderly users
  • Rural users
  • Users with limited digital literacy
  • Users who prefer voice interaction
  • Users wanting an extra safety check before paying
  • Basic/button-phone users via supported offline payment mechanisms

Speepay

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RESEARCH AND REFERENCES

Research Areas

  • UPI ecosystem
  • Voice-based / conversational payments
  • Digital financial literacy
  • Financial fraud and scam awareness.

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Speepay

PROTOTYPE LINK - https://youtu.be/KdAt47rvqM4?si=Sksfcw0VCz-22If8

PUBLIC SURVEY LINK - https://youtu.be/L06eRga-UoM?si=gWUDYSAaM9b5fKB5

ACHIVEMENTS :

SpeePay Idea – 3rd Place at IBM Regional Finals

Announced for IBM National Finals.

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