{"id":14811,"date":"2023-02-08T16:03:00","date_gmt":"2023-02-08T10:33:00","guid":{"rendered":"https:\/\/blogrevamp.cashfree.com\/?p=14811"},"modified":"2023-02-27T12:32:43","modified_gmt":"2023-02-27T07:02:43","slug":"account-aggregator-framework-trends-and-opportunities","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/account-aggregator-framework-trends-and-opportunities\/","title":{"rendered":"Account Aggregator Framework in India: Trends And Opportunities Unlocked"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a8f1bacda297\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #364250;color:#364250\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #364250;color:#364250\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a8f1bacda297\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/account-aggregator-framework-trends-and-opportunities\/#Current_Trends_and_Landscape_Of_The_Account_Aggregator_Ecosystem\" >Current Trends and Landscape Of The Account Aggregator Ecosystem&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/account-aggregator-framework-trends-and-opportunities\/#Early_Benefits_Of_The_Ecosystem\" >Early Benefits Of The Ecosystem&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/account-aggregator-framework-trends-and-opportunities\/#Expected_Growth_Opportunities_with_Account_Aggregator_Framework\" >Expected Growth Opportunities with Account Aggregator Framework<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/account-aggregator-framework-trends-and-opportunities\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.rbi.org.in\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">The Reserve Bank of India<\/a> is taking extensive steps to unlock the economic primitives of data, identity, and payments as India prepares for the internet age. The addition of the Account Aggregator Framework is another step in this direction.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Introduced as a consent layer, the Account Aggregator Framework aims to strengthen India\u2019s data stack. It gives citizens the power to share their data only when they consent and when an electronic consent framework captures it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The early adopters of this framework including many banks and <a href=\"https:\/\/www.cashfree.com\/blog\/nbfcs-in-india\/\" target=\"_blank\" rel=\"noreferrer noopener\">NBFCs<\/a> have witnessed efficiency gains despite a few initial hiccups. Some initial gains include,\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lower drop-offs with optimised customer journeys,&nbsp;<\/li>\n\n\n\n<li>Higher conversion rates<\/li>\n\n\n\n<li>Reduced operational costs<\/li>\n\n\n\n<li>Lower default rates&nbsp;<\/li>\n\n\n\n<li>Nil fraud rates<\/li>\n\n\n\n<li>Net positive impact on profitability<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As the ecosystem matures, adopters are hoping to see these gains translate into more cost-effective and viable business models, and unlock many massive value-adds for citizens and the entire financial sector.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-current-trends-and-landscape-of-the-account-aggregator-ecosystem\"><span class=\"ez-toc-section\" id=\"Current_Trends_and_Landscape_Of_The_Account_Aggregator_Ecosystem\"><\/span>Current Trends and Landscape Of The Account Aggregator Ecosystem&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-existing-participants\">Existing Participants<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In September 2021, when the RBI officially launched the Account Aggregator Framework. Since then, the following entities have become a part of the ecosystem &#8211;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>23 banks and 3 life insurance companies have gone live as financial service providers on the Account Aggregator, India Stack platform.&nbsp;<\/li>\n\n\n\n<li>78 entities registered and regulated with either of the four institutions &#8211; RBI, SEBI, IRDAI, PFRDA &#8211; are live as financial information user&nbsp;<\/li>\n\n\n\n<li>1.1 billion-plus accounts have been enabled using the Account Aggregator Framework<\/li>\n\n\n\n<li>6 operational account aggregators and another 9 in-principle account aggregators are yet to receive their operating licence from RBI.&nbsp;<\/li>\n\n\n\n<li>As on October 31, 2022, 2.05 million plus customers have used the services of one of the RBI-authorised account aggregators to give consent and successfully share their data across platforms<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a holistic view of the existing partnership in the Account Aggregator Ecosystem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-performance-report\">Performance Report&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As mentioned above, the account aggregator framework successfully enabled over 1.1 billion accounts on its platform till October 31, 2022. These accounts primarily include\u00a0&#8211;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Singly held savings accounts<\/li>\n\n\n\n<li>Sole proprietorship current accounts\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Meanwhile, 2 million plus annual cumulative consents have been successfully fulfilled. This has resulted in smooth data sharing from financial service providers to financial information users.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At present, the usage penetration of account aggregators is at just 0.2%. Meanwhile, the monthly growth rate has been stable at 50-60%, thus showcasing sustained and continued progress.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-emerging-use-cases-in-account-aggregator-framework\">Emerging Use Cases in Account Aggregator Framework<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pertaining to the initial success of this framework, many other sectors are now planning to explore the ecosystem and reap the benefits. For instance, the securities market players, insurance companies, and the pension sector are also entering the space. Besides these, many other entities have started a closed user group testing phase of account aggregators. They are doing it to check the viability of their respective business use cases.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-early-benefits-of-the-ecosystem\"><span class=\"ez-toc-section\" id=\"Early_Benefits_Of_The_Ecosystem\"><\/span>Early Benefits Of The Ecosystem&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As mentioned above, the Account Aggregator Framework has helped its users witness growth in volume. Apart from that, they have seen lower drop-off rates, decreased operational costs and reduced fraud rates. However, there\u2019s more to it. Here\u2019s a sneak peek &#8211;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>As per Sahamati, loans worth INR 17 billion have been disbursed through the Account Aggregator Framework to date<\/li>\n\n\n\n<li>50% of the lending was done as unsecured business loans to MSMEs. These loans were with ticket sizes of up to INR 4 lakh<\/li>\n\n\n\n<li>Established the powerful role that Account Aggregators can play in helping boost financial inclusion and credit democratisation<\/li>\n\n\n\n<li>Banks and NBFCs that used this framework reported zero fraud cases<\/li>\n\n\n\n<li>Nil fraud rate has\n<ul class=\"wp-block-list\">\n<li>Reduced the otherwise high operational cost incurred by banks\/NBFCs for investigation. They investigated to filter out a bank statement submitted by a customer<\/li>\n\n\n\n<li>Lowered the credit costs linked with frauds that go undetected before loan disbursements despite a series of checks.&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-expected-growth-opportunities-with-account-aggregator-framework\"><span class=\"ez-toc-section\" id=\"Expected_Growth_Opportunities_with_Account_Aggregator_Framework\"><\/span>Expected Growth Opportunities with Account Aggregator Framework<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Considering the current success rate of this framework and the emerging use cases, it is expected that data transfers would reach 1 billion by the end of 2025 and 5 billion by the end of 2027.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meanwhile, bank account statements serve as the most legit source of customer authentication among others. Banks and NBFCs will soon increase data transfers of bank account statements via the Account Aggregator ecosystem to boost many lending activities. But, of course, only after receiving the customer\u2019s consent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s also believed that RBI may soon consider sharing unmasked bank account numbers (currently masked) through the Account Aggregator Framework. This would not only replace the present bank account verification mechanism done through the submission of cancelled cheques or penny drops but further increase the velocity of disbursals.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The RBI-led Account Aggregator Framework comes with its list of benefits and challenges. The benefits are massive value adds for both citizens and the financial sector. These advantages are in terms of higher disbursals, better customer journeys, reduced operational costs, quicker and hassle-free processes, and much more. Moreover, achieving interoperability and deepening usage, and wider innovation will also play a key role in the success of this framework.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But, considering the implementation strategies that the RBI has used to make India Stack a success, it\u2019s just a matter of time to see the Account Aggregator Framework become an integral part of the financial system.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Account Aggregator Framework was launched by the RBI in Sept 2021. As the ecosystem matures, let&#8217;s check out the opportunities it presents.<\/p>\n","protected":false},"author":17,"featured_media":14820,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1,1383],"tags":[5374,1499],"class_list":["post-14811","post","type-post","status-publish","format-standard","has-post-thumbnail","category-all","category-payments","tag-account-aggregator","tag-banking-as-a-service"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Account Aggregator Framework in India<\/title>\n<meta name=\"description\" content=\"Account Aggregator Framework was launched by the RBI in Sept 2021. 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