Pragati Webinar on “Account Aggregator: Unlocking Data Beyond Banking
The Pragati Webinar Series returned on 29th July 2025 with a powerful session titled “Account Aggregator: Unlocking Data Beyond Banking.” The webinar marked the release of Sahamati’s 4th Lending Report (Credit Reimagined H2 FY25 Lending Report), which revealed a compelling narrative of growth in India’s AA-powered lending ecosystem. With each edition, the report has showcased exponential momentum — and this edition was no different.
Lending Report Highlights: A Shift in the Credit Landscape
The session began with a walkthrough of the Credit Reimagined H2 FY25 Lending Report, which spotlighted key trends in adoption and usage. Two major themes stood out:
- AA-first lending is gaining serious traction: Lenders are rapidly shifting towards integrating the AA framework across their entire credit value chain, beyond just underwriting or issuance.
- Cross-sectoral data usage is becoming mainstream: The AA ecosystem is no longer limited to just banking data. Financial institutions are now exploring the potential of alternative, cross-sectoral datasets to better underwrite and serve customers.
These trends signal a future where data portability and consent-based data sharing unlock smarter, faster, and more inclusive financial services. Click here to read the full report.
Fireside Chat with Deepit Singh: What’s Next for Lending in India?
The webinar also featured an insightful fireside chat with Mr. Deepit Singh, Founder of Abhi Loans, where several themes shaping the future of lending in India were explored:
- The Rise of Financial Asset Investments: As New India transitions to saving through financial instruments, it opens up new opportunities for lenders to create investment-linked lending products.
- Untapped Potential Among New-Age NBFCs: Deepit highlighted how newer NBFCs, with their agility and digital-first approach, can innovate by embedding the AA framework into their offerings. This opens the door to differentiated products tailored to new-to-credit or underserved segments.
- Progress of LAS and LAMF Products: The session touched upon how Loan Against Securities (LAS) and Loan Against Mutual Funds (LAMF) have evolved, aided by better visibility into user portfolios and seamless access to data through AA.
Live Demos by Finbox and Finfactor
To ground the discussion in practical application, the webinar featured live demonstrations by leading Technology Service Providers (TSPs). Finbox and Finfactor showcased their AA-powered lending journeys, highlighting how the framework has improved customer onboarding, risk assessment, and turnaround time for disbursals.
Missed the Webinar?
Catch the full session to understand how the AA ecosystem is reshaping India’s financial services.
For any questions or to explore how your organisation can participate in the AA ecosystem, write to us at info@sahamati.org.in.