Sahamati has formed several working groups constituting AA participants with two-fold intentions of self-regulation and collaboration. These working groups, comprised of representatives from AAs, FIPs, FIUs and TSPs, meet regularly to address commonly faced concerns and conflicts in adoption of AA. Working groups not only provides platform for sharing information and voicing out opinions from the perspective of each of these participants, but also fosters collaboration by converging on commonly accepted code of conduct for healthy evolution of the AA ecosystem.
- Assisted, Aadhaar-enabled AA Working Group
RBIH led working group in association with Sahamati to build out a secure, simple Aadhaar based process for using Account Aggregator in an assisted mode. The objective is to ensure that Assisted AA framework can be effectively deployed to improve the access to financial services for half billion population that doesn’t have a smart phone or have relatively low levels of digital and/or financial literacy
Members Mr. Sunil Kulkarni, CEO, BCFI (as the chair) Mr. Gaurav Gupta, CEO, Adani Capital Ms. Honey Madaan, SVP, Airtel Payments Bank Mr. Ankur Tripathi, CTO, AU Small Finance Bank Mr. Ragavan Venkatesan, CEO, DGV Mr. Munish Bhatia, CEO, Finvu Account Aggregator Mr. Manoj Kashyap, Head-Digital Banking, HDFC Bank Mr. J. Venkatramu, India Post Payments Bank Ms Natasha Jethanandani, CTO Kaleidofin Mr. Anand Bajaj, CEO, Paynearby Mr. Bertram D’Souza, CPIO, Protean Mr. Rakesh Ranjan, Reserve Bank Innovation Hub (RBIH) Ms. Praveena Rai, COO, National Payment Corporation of India (NPCI) Mr. Sanjeev Yadav, Director Authentication, Unique Identification Authority of India (UIDAI) - GSTN FIP Recommendations Working Group
Sahamati makes a representation to policy makers based on feedback received from lenders on the GSTN SRS that has been approved by DoR. The working group arrived at a list of additional requirements which were captured in a written proposal and shared with DFS for further deliberations.
Members Mr. Ravi Modiani, 121 Finance Mr. Sameer Shetty, Axis Bank Mr. Kunal Pradeep Chitnis, Axis Bank Mr. Akhil Handa, Bank of Baroda Mr. Khadgi Mukund Sharadrao, Bank of Baroda Mr. Asheesh Pandey, Bank of Maharashtra Mr. Ravinder Khokhar, HDFC Bank Mr. Sanjay Seshamani, Kotak Bank Mr. Kinjal Shah, Lendingkart Mr. Sivasubramanian Ramann, SIDBI Mr. Ravi Tyagi, SIDBI Mr. Nitesh Ranjan, Union Bank Mr. Hrushikesh Mehta, Credall Mr. Niraj Hutheesing, Cygnet Mr. Jinand Shah, Online PSB Loans - AA Anti-Fraud Guidelines Working Group
Sahamati led working group to identify potential scenarios of frauds in the AA Ecosystem with suggested best practices and mitigation measures on technology, data governance, processes, policies
Members Mr. Dhananjay Tambe, former Deputy MD CIO, SBI (as the Chair) Mr. Kailash Nadh, CTO, Zerodha Mr. Sumit Gwalini, Co-founder, Fi Mr. Rahul Chari, Founder CTO, PhonePe Mr. Saurabh Panjwani, Technical Fellow at iSpirit Mr. Susanta Dash, Deputy CTO, SBI Mr. Sasikumar Ganesan, Head of Engineering, MOSIP (Volunteer) - Customer Experience Guidelines Working Group
This working group is led to define community guidelines applicable to FIUs and AAs for implementing consent journeys that are compliant to the spirit of AA regulations, and also frictionless for citizens.
Members Ms. Nagalakshmi K, Product Manager, Tally Account Aggregator Services Private Limited Mr. Prateek Patnaik, Product Lead (AA), Epifi Wealth Private Limited Mr. Raman Kapoor, Epifi Wealth Private Limited Mr. Saurabh Mulye, NeoGrowth Credit Mr. Munish Bhatia, Cookiejar Technologies Pvt Ltd (Finvu) Ms Kamalika Poddar, CAMSfinserv Mr. Vicky Upadhye, Assistant Manager, NSDL E-Governance Account Aggregator Limited - AA Client Data Security Working Group
Sahamati leads this working group to define technical guidelines aimed at protecting data privacy of citizens, using AA client interfaces (web, mobile)
Members Mr. Anil Joseph, Finacus Solutions Pvt. Ltd. Mr. Saran Sankaran, Software Engineer, Epifi Wealth Private Limited Mr. Praveen Prabhu, Cookiejar Technologies Pvt Ltd (Finvu) Mr. Pradip Waghmare, CISO, Finarkein Analytics Private Limited Ms Kamalika Poddar, CAMSfinserv Mr. Kunal Kishan, Architect, Perfios Account Aggregation Services Pvt Ltd (Anumati) - Tech Tuesdays Forum
Forum for all Tech and product leads of AAs and Technology Service Providers – Sahamati hosts weekly forums to deliberate and converge on a variety of tech/product topics needing a harmonious understanding amongst AA API implementation entities (AAs, TSPs)
- AA Tech Collab Forum
Forum for all Tech and product leads of AAs – Sahamati runs AA Tech Collab Forum to deliberate and converge on a variety of tech/product topics relevant only for AAs to implement.