Account Aggregator

Before the advent of Account Aggregator (AA), the ‘right to data portability’ existed only in theory. AA for the first time empowered its practice.

The Account Aggregator framework was expected to be a watershed moment, not unlike UPI, for financial services. So far, its enormous impact has been evident in consumer lending, but with the inclus…

It is irrefutable that the Account Aggregator framework will become a game-changer for the dissemination of financial services. Built to prioritise user consent , data privacy, and a good user expe…

The induction of the Goods and Services Tax Network (GSTN) on the Account Aggregator framework is expected to add another dimension to underwriting for small businesses. Underwriters process variou…

Online trading platforms have made stock markets accessible to a wide range of traders across India. Just two major online trading platforms account for 40% of the total active user base in the Ind…

Automated bank statement analysis enables income estimation when underwriting users for digital platforms. Income estimation and classification are straightforward in the case of salaried borrowers…

User data is the lifeblood for lenders. Be it physical operations or digital lending - the volume and velocity of data sought, collected and analysed is only increasing exponentially. This added ex…

Hello everyone, Welcome to the 61st edition of The Pattern, a weekly newsletter where we unpack the latest

Wednesday, May 24, 2023: Digital infrastructure company FinBox and the NBFC IIFL Finance were awarded for their work in building a cash flow and GST data based unsecured business loan product for M…

Software products that are groundbreaking, niche, and disruptive tend to get all the press. But there exists a parallel realm of software the uses of which are more prosaic, if not downright everyd…

Software products that are groundbreaking, niche, and disruptive tend to get all the press. But there exists a parallel realm of software the uses of which are more prosaic, if not downright everyd…

Discover the potential of digital lending to support MSMEs in the midst of budgetary challenges. Join us as we explore the future of this innovative approach.