At the 2026 Beijing International Automotive Exhibition, Banma Intelligence, a renowned Chinese tech corporation, partnered with fintech heavyweight Alipay to introduce a pioneering AI-enabled in-car system. This innovative technology allows drivers to initiate transactions using just their voice.
Known as the “AI cockpit”, the cutting-edge solution merges Banma’s in-vehicle intelligence with Alipay’s AI Pay. This allows drivers to perform hands-free transactions without the need for a smartphone. The developers of this technology aim to simplify in-car digital experiences as vehicles continue to become more software-focused.
Ming Cai, the Chief Product Officer at Banma, noted that significant progress has been made in the realm of smart cockpits over the past two years, particularly in understanding user intent. He stated that by integrating voice-activated payments, one of the last barriers to smooth in-car digital experiences has been effectively eliminated. As a result, drivers can now simply express their intent verbally to complete a purchase.
Initially, the system primarily concentrates on services in high demand like entertainment and travel. For instance, drivers can book movie tickets, reserve hotel rooms, or order food through voice commands. A command like “buy two movie tickets” prompts the system to select showtimes and seats, following which the user can verbally confirm the choices to finalize the payment.
Security is a key feature of this new system, with Alipay integrating multi-layered risk controls and real-time fraud detection to safeguard the transactions carried out via the system.
The development indicates a wider industry trend towards intelligent, connected vehicles, with digital services emerging as a key differentiator. Payment integration is viewed as a vital part of this ecosystem as it allows car manufacturers and software providers to deliver smooth, comprehensive user experiences.
The companies revealed that the AI cockpit has already completed integration testing with several prominent automakers and is set to feature in new vehicle models in the latter half of 2026.
What is the “AI Cockpit”?
The “AI Cockpit” is a state-of-the-art system developed by Banma Intelligence and Alipay that allows drivers to conduct transactions using voice commands.
What services does the AI Cockpit initially focus on?
The system is initially focused on high-demand services like entertainment and travel. It allows drivers to book movie tickets, reserve hotel rooms, and order food using voice commands.
How does the system ensure the security of transactions?
Security is a key feature of the system. Alipay has incorporated multi-layered risk controls and real-time fraud detection measures to protect transactions conducted through the system.
