Frequently Asked Questions

A Technology Service Provider builds and runs the systems that let regulated entities (banks, NBFCs, insurers, AMCs) participate in the Account Aggregator network without building everything in-house. We handle integration, orchestration and analytics so our clients can go live faster.

Banks, NBFCs, fintechs, lending service providers, insurers and wealth platforms, on both sides of the data exchange: those who request data (FIUs) and those who provide it (FIPs).

It is an RBI-regulated framework that lets individuals and businesses share their financial data securely between institutions, only with their explicit consent, and only for the purpose and duration they approve.

Data moves only with the customer's consent, and the customer can see, pause or revoke that consent at any time. Data is encrypted end to end within the AA network.

Yes. Depending on the consent the customer gives, data can be fetched once or on a recurring schedule, which is useful for monitoring and early warning.

A single integration for institutions that want to request and receive consented data through Account Aggregators, covering consent journeys, data fetch and delivery to your systems.

It helps data providers go live on the AA network and respond to data requests reliably and at scale.

Our analytics layer that turns raw AA and financial data into ready-to-use insights for underwriting, monitoring and risk decisions.

A single integration that connects you to open networks such as ONDC, OCEN and the OpenLink Private Network. Lending journeys, including gold loans and housing finance, and insurance journeys are live today.

A white-label personal finance management product that institutions can offer their customers. It is built on consented AA data, with tenant-side features for customer profiling, targeting and lead generation.

It extracts structured data and fraud markers from bank statements, both digital PDFs and scanned images.

Pull bank statements, GST and other financial data with consent, assess income and cash flows faster, and monitor borrowers after disbursal, all without asking customers to upload documents.

Yes. Consented bank and GST data gives a clearer view of businesses that lack a formal credit history, and OpenLink connects lenders to MSME-focused networks such as OCEN.

Insurers can use consented financial data for faster onboarding and underwriting, and reach customers through open network journeys on OpenLink.

Yes. Consented data across bank accounts, deposits and investments gives a complete view of a customer's finances, which powers advice, cross-sell and personal finance experiences like Portfos.

A simple journey where they choose their accounts, review what data is being shared, why and for how long, and approve it.

Yes. Journeys can be fully white-labelled, or built on our APIs inside your own app.

Customers can share a bank statement instead, and Doc Parser extracts the same structured data from it, so your journey does not stop.

Our systems are built to operate within the RBI Account Aggregator framework and ReBIT technical standards.

We support your DPDP obligations as your data processor, through consent-led data flows, purpose limitation and secure handling.

ISO/IEC 27001 for information security management and SOC 2 Type II for security controls.

An independent auditor has tested that our security controls work consistently over time, not only on a single day.

Depending on the product, we offer both Finarkein-hosted and client-hosted deployment.

Yes. Every product is available through APIs, with SDKs and a managed UI as options.

Yes. We use AI to classify transactions, parse documents and turn financial data into insights, with outputs your teams can review before making decisions.

Timelines depend on the product and the scope of your journey. Our team shares a clear go-live plan during scoping.

Both. Use our ready-made journeys, customise them to your brand, or build your own front end on our APIs.

Yes. Our gateway can work alongside existing setups, including orchestrating across multiple lenders' FIU gateways for lending service providers.

Yes. Reach out through the contact form and we will set up a walkthrough for your use case.

Get in touch through the contact form. Our team will understand your use case and recommend the right products to start with.

Pricing depends on the products and volumes you need. Talk to our team for a quote.

We stay with you after launch, monitoring performance and helping you improve outcomes. Support terms are set out in your agreement.

We are always looking for people who want to build in open finance. See our careers page for open roles.

We work with banks, fintechs, networks and data providers. Get in touch through the contact form to explore a partnership.

Get the right customer data, with consent, from every source that matters.

Turn raw financial data into clean, structured insight.

Make faster, sharper decisions across the customer lifecycle.

AI agents that act on data, not just report on it.