16/02/2026
A seminar on “Account Aggregator (AA) ecosystem as a Digital Public Infrastructure (DPI): Enabling Efficiency, Productivity, and Inclusion in the Financial Sector” by Mr B. G. Mahesh, CEO, Sahamati
Abstract
The Account Aggregator (AA) ecosystem is a consent-based framework that enables individuals and small businesses to securely share their financial information across regulated financial institutions, based on explicit and informed user consent. It provides a standardized and interoperable mechanism for financial data sharing across sectors such as banking, lending, insurance, capital markets, and taxation.
By improving the availability, quality, and timeliness of data sharing, the AA framework helps reduce information asymmetries and operational friction in financial services. This enables financial institutions to design more efficient processes and offer products that are better aligned to customer risk profiles, particularly for underserved and thin-file users. The session will examine the role of AA as an emerging digital public infrastructure and discuss its implications for financial inclusion and institutional decision- making.
About the Speaker
Mahesh is the CEO of Sahamati, a not-for-profit industry alliance of participants in the Account Aggregator (AA) ecosystem.
He’s been leading the implementation of the Account Aggregator framework, a Digital Public Infrastructure for Data empowerment. AA is a techno-legal framework that gives individuals & small businesses control of their data. It’s being rolled out in India and is the largest implementation of Open Finance globally.
Mahesh was also the visionary founder of OneIndia.com, credited with bringing all major Indian languages online as early as 2000, breaking barriers to digital access and inclusion. Guided by a deep commitment to empowerment, he continues to champion technology-led innovation for societal good.
