Inside Shriram Finance Strategy Growing Credit Access With Account Aggregator | Manthan by Sahamati | The Core — featuring Vinod Kumar (Chief Digital Officer, Shriram Finance) in conversation with Vamsi Madhav (CEO, FINVU AA) on how Account Aggregator (AA) is expanding credit access and transforming digital lending in India.Shriram Finance operates where traditional credit models struggle serving MSMEs, tier 2 and tier 3 India, and credit-invisible borrowers. Vinod explains why real digital transformation isn’t about replacing people with apps, it’s about empowering field teams, building trust, reducing paperwork, and using consented data to make faster, safer, smarter lending decisions.In this episode, you’ll discover:1) How Account Aggregator delivers real-time, consent-based financial data for better underwriting2) Why Shriram Finance is really in the business of risk assessment, not just lending3) How to build adoption at scale across 3,000+ branches and thousands of employees4) The strategy behind Shriram’s super app and “AI-powered financial companion” vision5) How AA helps beyond onboarding with early warning signals, monitoring, and collections6) Why consent, purpose, and security are critical in a world of rising digital fraudIf you’re into business, fintech, consulting, digital public infrastructure, India Stack, NBFC strategy, MSME lending, and the future of financial inclusion, this is a must-watch conversation.If this episode sparked a new idea, share it with a colleague and subscribe for more Manthan conversations on the future of India’s financial ecosystem.

Dive into a powerful conversation with Kiran Gopinath (Head of Sahamati Labs & Chief Innovation Officer, Sahamati) and Gabriel Bizama (Head of Research, Sahamati Labs) as they decode the transformation of finance in India — and what it means for the world.

In this episode, you’ll discover:

* How India is pioneering Open Finance and leading the global shift

* The impact of CBDCs, instant payment networks, stablecoins, and tokenization on financial architecture

* The evolution of Open Finance beyond domestic borders

* The explosive growth of the Account Aggregator ecosystem — and the next big unlocks

* The mission behind Sahamati Labs and the breakthrough experiments underway

#ManthanBySahamati #OpenFinance #FutureOfMoney #AccountAggregator #SahamatiLabs #Fintech #Innovation #DigitalIndia

In the third episode of Manthan, Sahamati’s podcast spotlighting innovation in the Account Aggregator (AA) ecosystem, Rajiv Sabharwal, MD & CEO of Tata Capital, joins B.G. Mahesh, CEO of Sahamati, for an insightful conversation on how India is redefining financial inclusion in the digital age.With over three decades of leadership experience, Rajiv explores:The India Story — how a young, tech-savvy population is embracing digital transformation.Digital Public Infrastructure (Aadhaar, UPI, AA) — and its role in opening up new credit opportunities.Tata Capital’s AA journey — from early adoption to driving impact across the organization.Consent-based data sharing — empowering customers and deepening trust in the financial ecosystem.This discussion goes beyond technology — it’s about the mindset shift that’s shaping the next chapter of responsible and inclusive finance in India.💡 Key takeaways:How data can fuel India’s bold vision for inclusive lendingWhy the Account Aggregator framework is pivotal to the next phase of digital creditStrategic insights for CXOs on scaling financial services with trust and innovationHow consented data can become a true enabler of economic growth#ManthanBySahamati #TataCapital #AccountAggregator #OpenFinance #DigitalTransformation #Innovation #FintechIndia #SmarterLending #PodcastSeries #Sahamati

India’s lending landscape is undergoing a digital transformation — and at its core lies the power of consented data and smart risk management.

In this episode of Manthan, hosted by Vamsi Madhav (CEO, Finvu AA), we’re joined by Fakhari Sarjan (Chief Risk Officer, Bajaj Finance Ltd.) to explore how one of India’s most trusted financial institutions is using Digital Public Infrastructure (DPI) and the Account Aggregator (AA) framework to redefine credit, trust, and inclusion.

From rethinking risk models to leveraging real-time financial data, discover how Bajaj Finance is enhancing underwriting precision, reducing NPAs, and extending credit access to millions.

🔍 In this conversation:

* How India’s digital revolution is reshaping risk and credit

* Bajaj Finance’s AA journey — early wins, lessons, and challenges

* The strategic role of AA in expanding financial inclusion

* What the next phase of India’s lending ecosystem could look like

🎧 Tune in for expert insights from the leaders driving India’s financial innovation.

RBI Report: https://rbidocs.rbi.org.in/rdocs/PublicationReport/Pdfs/FREEAIR130820250A24FF2D4578453F824C72ED9F5D5851.PDF

#ManthanBySahamati #AccountAggregator #DigitalPublicInfrastructure #FinancialInclusion #RiskManagement #FintechInnovation #BajajFinance #DigitalIndia

In this premiere episode of Manthan, we explore India’s ambitious journey toward "Insurance for All by 2047" — a vision rooted in financial inclusion and digital innovation.

Join Shalini Gupta, Chief Policy & Advocacy Officer at Sahamati, in conversation with Rakesh Joshi, Chairman of Bima Sugam, as they discuss:

✅ How Bima Sugam is transforming access to insurance

✅ The critical role of the Account Aggregator (AA) framework

✅ Why Digital Public Infrastructure (DPI) is key to inclusive growth

🔔 Subscribe for more insights from the leaders building India’s digital future.

Manthan by Sahamati is a podcast series that brings together leading voices across finance, policy, technology, and regulation to explore how India’s digital finance ecosystem is being reshaped by the Account Aggregator (AA) framework.

Hosted by Sahamati, the collective of stakeholders working to scale AA adoption, Manthan—meaning "deep reflection" in Sanskrit—serves as a platform for thoughtful, high-context conversations around consent-based data sharing, policy innovation, and digital public infrastructure (DPI).

Each episode dives into the real-world challenges and transformative potential of the AA ecosystem, unpacking how this third foundational layer of the India Stack—after Aadhaar and UPI—is creating new opportunities in lending, personal finance, wealth management, insurance, and more.

Through curated dialogues with regulators, fintech leaders, bank executives, policymakers, researchers, and ecosystem builders, Manthan aims to:

1. Demystify the AA framework and its relevance to everyday users

2. Explore regulatory and strategic pathways for its growth

3. Drive awareness and trust across financial institutions and consumers alike

4. Spotlight use cases and expand the conversation to new data types and sectors

Whether you're a policymaker, fintech innovator, journalist, or student of digital finance, this is your front-row seat to the future of India’s data governance and inclusive financial innovation