Account Aggregator Solutions for FIP & FIU
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Perfios, a pioneer in data aggregation services, has created a new category of solutions that leverage the power of aggregation of structured and unstructured data while providing deep analytics in addition to aggregated data.

Making the best use of the recently announced Account Aggregation (AA) framework, Perfios is a Sahamati empaneled TSP and has built a full-stack solution for Financial Information Providers (FIP) and Financial Information Users (FIU). These modules seamlessly connect a company’s existing solution to the NBFC-AA ecosystem and act as a single point to handle all the comprehensive and tedious integration architectures, helping FIPs and FIUs save time in their integrations.

For existing customers, Perfios is adding AA as another data source, the integration of which will need little change management or effort.

We work closely with Sahamati – a Collective of the Account Aggregator Ecosystem, and we automatically update FIP and FIU modules as this ecosystem evolves.


  • FIP – Financial Information Provider: Bank, NBFC, AMC, depository, depository participant, insurance company, insurance repository, pension fund
  • FIU – Financial information user: an entity registered with and regulated by any financial sector regulator
  • AA – Account Aggregator
  • FSR – Financial Sector regulator; RBI, SEBI, IRDAI, PFRDA
  • CR – Central Registry: A centrally hosted (under one of the FSRs) repository of Key/Certificate of FIU, FIP & AAs
Perfios (Financial Information Providers) FIP Solution

The module for all the Financial Information Providers like banks to become a part of and easily integrate into the NBFC-AA ecosystem. Perfios FIP modules seamlessly integrate with the company’s core system and any account aggregator to handle requests for customer data extraction in a secure and real-time environment.

Perfios (Financial Information User) FIU Solution

The module for companies to acquire the applicant’s data from all FIPs, using any account aggregator with whom the applicant has an account. The module easily integrates with the company’s application system and has the capability of handling all the complex integrations of the NBFC-AA ecosystem. The data extracted using the FIU module can be passed into the existing/Perfios analytics engine.


  • Data and consent life cycle management
  • Regulatory, compliance requirements
  • Audits
  • Strong data security
  • Dashboards to monitor traffic
  • Dashboards to monitor security
  • Life cycle management of each request

Two fundamental use cases are envisaged at the launch of the AA framework

Lending/PFM flow chart


Loan Service Provider (LSP)

The LSP Platform enables lenders, to participate as lending partners with any marketplace in both online and offline modes for a quicker Go-To-Market

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safe and secure

Perfios is Information Security Management Certified (ISO 27001) Security Seals Certified Seal Privacy Seals Business Seals ISO 27017 ISO 27018