Ignosis

Ignosis is India's leading enterprise-first Account Aggregator (AA) infrastructure and financial data intelligence platform serving BFSI institutions. The company leverages consented real-time financial data with AI/ML analytics to deliver deep customer insights on cashflows, spending behavior, and risk profiles, enabling hyper-personalization, automation, and democratized credit access.

Core Products & Services

Account Aggregator Infrastructure – Multi-AA TSP modules with seamless onboarding verifications, cluster/cohort analytics, and cross-sell recommendations powered by real-time consented financial data sharing

Analytics Engine – AI/ML-powered insights on cashflows, customer personas, spending patterns, portfolio health monitoring, and early warning signals for collections and risk management

Personal Finance Management (PFM) – Comprehensive expense tracking, goal-based planning, investment recommendations, and generative AI co-pilots for personalized financial advisory

Lending Infrastructure – ONDC/OCEN lender/LSP bridges, digital KYC solutions, banking/GST/ITR/SMS analytics, employment/income verification, BRE/risk scoring, eSign/eNach/eMandate capabilities

Embedded Lending Suite – Flow-based instant credit, working capital term loans, supply chain finance, multi-lender networks with plug-and-play SDKs/APIs for disbursal within minutes

Industry-Specific Stacks – Tailored solutions for banking (income verification/cross-sell), fintech (daily nudges), NBFC (FOIR evaluation/DPD prevention), wealth management (portfolio analytics), and insurance (fraud detection/premium optimization)

Business Model & Revenue Streams

Pay-As-You-Go SaaS Infrastructure Model – Cloud-native, API-first platform with no upfront costs; modular architecture integrates seamlessly with existing BFSI systems serving 125+ financial institutions including Bank of Baroda, Groww, and HDB Financial Services

API Transaction & Data Processing Fees – Usage-based revenue from AA data fetches, analytics queries, risk scoring requests, and embedded lending transactions scaling with client volumes

Subscription & Licensing Revenue – Tiered SaaS fees for analytics engine, PFM modules, and industry-specific stacks based on user seats, data volume, and feature access

Implementation & Customization Revenue – One-time onboarding/integration fees for custom workflows, ONDC/OCEN connectivity, and white-label deployments

Premium Analytics Revenue – Higher-margin fees for advanced AI insights, generative AI co-pilots, real-time early warning systems, and hyper-personalized campaign triggers

Embedded Finance Partnerships – Revenue share from multi-lender networks and co-lending ecosystems powered through lending infrastructure rails