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.
1. 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
| Sl no. | Members |
|---|---|
| 1 | Mr. Sunil Kulkarni, CEO, BCFI (as the chair) |
| 2 | Mr. Gaurav Gupta, CEO, Adani Capital |
| 3 | Ms. Honey Madaan, SVP, Airtel Payments Bank |
| 4 | Mr. Ankur Tripathi, CTO, AU Small Finance Bank |
| 5 | Mr. Ragavan Venkatesan, CEO, DGV |
| 6 | Mr. Munish Bhatia, CEO, Finvu Account Aggregator |
| 7 | Mr. Manoj Kashyap, Head-Digital Banking, HDFC Bank |
| 8 | Mr. J. Venkatramu, India Post Payments Bank |
| 9 | Ms Natasha Jethanandani, CTO Kaleidofin |
| 10 | Mr. Anand Bajaj, CEO, Paynearby |
| 11 | Mr. Bertram D’Souza, CPIO, Protean |
| 12 | Mr. Rakesh Ranjan, Reserve Bank Innovation Hub (RBIH) |
| 13 | Ms. Praveena Rai, COO, National Payment Corporation of India (NPCI) |
| 14 | Mr. Sanjeev Yadav, Director Authentication, Unique Identification Authority of India (UIDAI) |
2. 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.
| Sl no. | Members |
|---|---|
| 1 | Mr. Ravi Modiani, 121 Finance |
| 2 | Mr. Sameer Shetty, Axis Bank |
| 3 | Mr. Kunal Pradeep Chitnis, Axis Bank |
| 4 | Mr. Akhil Handa, Bank of Baroda |
| 5 | Mr. Khadgi Mukund Sharadrao, Bank of Baroda |
| 6 | Mr. Asheesh Pandey, Bank of Maharashtra |
| 7 | Mr. Ravinder Khokhar, HDFC Bank |
| 8 | Mr. Sanjay Seshamani, Kotak Bank |
| 9 | Mr. Kinjal Shah, Lendingkart |
| 10 | Mr. Sivasubramanian Ramann, SIDBI |
| 11 | Mr. Ravi Tyagi, SIDBI |
| 12 | Mr. Nitesh Ranjan, Union Bank |
| 13 | Mr. Hrushikesh Mehta, Credall |
| 14 | Mr. Niraj Hutheesing, Cygnet |
| 15 | Mr. Jinand Shah, Online PSB Loans |
3. 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.
| Sl no. | Members |
|---|---|
| 1 | Mr. Dhananjay Tambe, former Deputy MD CIO, SBI (as the Chair) |
| 2 | Mr. Kailash Nadh, CTO, Zerodha |
| 3 | Mr. Sumit Gwalini, Co-founder, Fi |
| 4 | Mr. Rahul Chari, Founder CTO, PhonePe |
| 5 | Mr. Saurabh Panjwani, Technical Fellow at iSpirit |
| 6 | Mr. Susanta Dash, Deputy CTO, SBI |
| 7 | Mr. Sasikumar Ganesan, Head of Engineering, MOSIP (Volunteer) |
4. 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.
| Sl. No. | Members |
|---|---|
| 1 | Ms. Nagalakshmi K, Product Manager, Tally Account Aggregator Services Private Limited |
| 2 | Mr. Prateek Patnaik, Product Lead (AA), Epifi Wealth Private Limited |
| 3 | Mr. Raman Kapoor, Epifi Wealth Private Limited |
| 4 | Mr. Saurabh Mulye, NeoGrowth Credit |
| 5 | Mr. Munish Bhatia, Cookiejar Technologies Pvt Ltd (Finvu) |
| 6 | Ms Kamalika Poddar, CAMSfinserv |
| 7 | Mr. Vicky Upadhye, Assistant Manager, NSDL E-Governance Account Aggregator Limited |
5. 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)
| 1 | Members |
|---|---|
| 2 | Mr. Anil Joseph, Finacus Solutions Pvt. Ltd. |
| 3 | Mr. Saran Sankaran, Software Engineer, Epifi Wealth Private Limited |
| 4 | Mr. Praveen Prabhu, Cookiejar Technologies Pvt Ltd (Finvu) |
| 5 | Mr. Pradip Waghmare, CISO, Finarkein Analytics Private Limited |
| 6 | Ms Kamalika Poddar, CAMSfinserv |
| 7 | Mr. Kunal Kishan, Architect, Perfios Account Aggregation Services Pvt Ltd (Anumati) |