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Account Aggregator Key Resources

We have collated important resources related to the Account Aggregator ecosystem.

  • Introductory Resources
  • Policy
  • Technical

Introductory Resources

  • Account Aggregators in India
  • Banks, NBFCs using AA Framework
  • Frequently Asked Questions
  • India’s Data Empowerment & Protection Architecture
  • India’s Data Empowerment And Protection Architecture (DEPA) workshop by Siddharth Shetty
  • Account Aggregator Technical Architecture by Siddharth Shetty, Fellow, iSPIRT
  • Nandan Nilekani on Data Empowerment and the ‘Opportunity’ State
  • Open Credit Enablement Network (OCEN) Protocol: Explainer, Role of LSPs

Policy

  • Account Aggregator Master Directive by RBI
  • Data Empowerment And Protection Architecture (Bluebook): Executive Summary, Draft of Discussion – Niti Aayog
  • Public Credit Registry (PCR) by RBI 
  • Draft of The Personal Data Protection Bill, 2018 (Srikrishna Committee Report on Data Protection)
  • The Personal Data Protection Bill, 2019 was introduced in Lok Sabha on December 11, 2019
  • UK Sinha’s Report of the Expert Committee on MSMEs: Loan Service Providers (LSPs) will be an agent of the borrowers is recommended for consideration by RBI: Announcement, Full Report (Section 8.2.1 on page 108 about LSPs and Section 9.26 on page 126 about Cash Flow-based lending)
  • Report by the Committee of Experts on Non-Personal Data Governance Framework

Account Aggregator Technical Resources

  1. NBFC – Account Aggregator (AA) API Specification
  2. Account Aggregator (AA) API
  3. Financial Information Provider (FIP) API
  4. Financial Information User (FIU) Callback API
  5. Account Aggregator Schema Definitions (FI Types)
  6. Account Aggregator Purpose Definitions
  7. Electronic Consent Framework by MeitY
  8. Certification Framework For The Account Aggregator Ecosystem
  9. Technical Service Providers in the AA Ecosystem
  10. Steps to connect FIP/FIU with Account Aggregators

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