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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,
Bank statement analysis has always been at the heart of lending decisions. With a bank statement analysis account aggregator, the
India’s NBFC sector disbursed over Rs. 30 lakh crore in credit in FY 2023–24, yet a substantial share of that
The Account Aggregator framework is architecturally elegant but often poorly explained. Most descriptions either oversimplify it into “you share your
