Account Aggregator

A credit head at a mid-sized NBFC told me recently about something that had been bothering her.

Harness massive untapped value beyond underwriting

Lending is a business of collecting. The real work starts once a loan is disbursed, and monthly auto-debit requests start hitting your borrowers' bank accounts.

Welcome to the inaugural edition of Infinite Loop, a newsletter where we will gather interesting insights about AI

Gen Z makes up 41% of new borrowers in India--but tighter lending norms are shutting them out. What does this mean for the future of credit?

Account Aggregator will go where no framework has gone before.

The insurance industry is known to utilize advanced analytics for underwriting. However, the challenge has always been accessing credible data sources that churn out meaningful insights.

A sector thrives when it's in tune with how value is created and delivered. Traditional banking systems were built for transaction processing and not for customer intelligence.

Trying to understand a customer’s portfolio health by looking at isolated metrics like repayment history or account balance is as futile as understanding a person’s vitals by looking at their temperature alone.

The success of digital lending hinges on understanding these credit behaviors. The AA framework opens unprecedented access to the rich financial data stream, which, when properly used, can transform lending decisions.

FinBox CDP combined with Account Aggregator data can combine financial data such as a bank account, loans, and investments/assets into one profile.

The Pattern 123: AA waves, ONDC eruptions and UPI storms