Finfactor

Finfactor operates as an RBI-licensed Account Aggregator platform that enables secure, consent-based financial data exchange among banks, insurance companies, stockbrokers, and investment advisors. The platform provides multi-AA gateway solutions with seamless connectivity across multiple Account Aggregators. The company offers bank statement analysis tools, loan monitoring and collections capabilities, wealth management features, and financial insights services. Additionally, Finfactor delivers data analytics and AI-driven solutions tailored for financial institutions, along with personal finance management tools, spend analytics, and loan underwriting solutions. The platform also includes insider trading monitoring and detection capabilities.

Core Products and Services

• RBI-licensed Account Aggregator platform enabling secure, consent-based financial data sharing

• Multi-AA gateway solution with seamless connectivity across multiple Account Aggregators

• Bank statement analysis and cash-flow analysis tools

• Loan monitoring and collections capabilities

• Wealth management and personal finance management tools

• Data analytics and AI-driven solutions for financial institutions

• Spend analytics and loan underwriting solutions

• Insider trading monitoring and detection capabilities

Business Model and Revenue Streams

• B2B SaaS model providing APIs and technology infrastructure to financial institutions and fintech firms

• Account Aggregator services enabling financial data connectivity for lending and wealth management use cases

• Enterprise contracts with 150+ BFSI clients including major banks and brokers, generating recurring platform revenue

• Transaction and volume-based fees on data fetches and AA journeys processed through the platform

• Value-added analytics and decisioning modules sold as add-ons for underwriting, monitoring, and wealth management

• Serves 50+ million consumers through the Finvu Account Aggregator platform