Category Archives
Introduction The terms “open banking” and “Account Aggregator” are frequently used interchangeably in Indian fintech discussions. They are not the
Introduction Consent is not merely a legal checkbox in India’s evolving financial data framework; it is the architectural foundation of
Introduction The Account Aggregator framework was opened for public use in September 2021 with eight founding banks. Since then, the
Introduction In the Account Aggregator framework, the term “consent manager” refers to the Account Aggregator entity itself, which is a
Introduction India has approximately 160 million people in the formal credit system, CIBIL-scored borrowers with established credit histories. The remaining
Introduction Home loans are India’s largest retail lending category by outstanding amount. They also carry the most documentation-intensive underwriting process,
Personal loan approval in India has historically been a document-heavy, time-consuming process. Salary slips, bank statements, ID proof, and employment
The Account Aggregator framework operates under a detailed regulatory architecture. Understanding that architecture, specifically, what RBI’s directions require and how
Loan underwriting is fundamentally a data problem: the quality of a credit decision is a direct function of the quality,
