Consent-driven credit transforms Indian lending.

Consent-driven credit transforms Indian lending. India's Account Aggregator framework is revolutionizing how consumers control their financial data, enabling secure sharing with lenders while maintaining privacy. This innovation improves credit access for underserved borrowers with limited credit histories, reduces lending errors through real-time data accuracy, and builds trust through transparent data usage. The ecosystem has scaled impressively, covering 999 financial entities with 955 Financial Information Users and 179 Financial Information Providers. Adoption metrics are striking: over 272 million accounts linked, 408 million consent requests fulfilled, and approximately 265 million monthly data flows. Consumer acceptance has reached 80 to 90 million individuals, representing about 8 percent of India's adult population.