FinPro Overview

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What is FinPro?

FinPro is Moneyone’s comprehensive technology suite designed for Financial Information Users (FIUs) in the Account Aggregator ecosystem. It provides production-ready APIs, SDKs, and operational dashboards that enable lenders, insurers, wealth managers, and fintech platforms to access customer-permissioned financial data without building individual integrations with each Account Aggregator.

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Core Value Proposition

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Rapid AA Ecosystem Integration

FinPro eliminates the complexity of integrating with multiple Account Aggregators by providing a single, unified API surface. FIUs can go live with AA-powered journeys in weeks instead of months.

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Multi-AA Connectivity

Built-in integration with all RBI-licensed Account Aggregators ensures maximum customer reach and data availability. The Smart AA Router automatically selects the optimal AA based on coverage and health metrics.

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Regulatory Compliance

FinPro is built to comply with RBI’s AA framework, ReBIT technical specifications, and Personal Data Protection norms. All consent artifacts, audit trails, and data flows adhere to regulatory requirements.

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Zero Data Retention

Following data minimization principles, FinPro does not store customer financial data. All information flows through encrypted channels and is only accessible to authorized FIUs based on customer consent.

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Key Capabilities

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1. Consent Management

FinPro provides comprehensive consent lifecycle management, including:

• Consent Request Creation: Generate consent requests using pre-configured templates that define purpose, validity, FI types, and fetch frequency
• Customer Redirection: Seamlessly redirect customers to Account Aggregators for consent approval via web redirection, deep links, or iframe embedding
• Lifecycle Tracking: Monitor consent status changes (approved, rejected, paused, revoked, expired) through real-time webhooks
• Bulk Operations: Manage large-scale consent campaigns with batch APIs for high-volume use cases

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Explore Consent Management Features

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2. Data Retrieval and Management

Once consent is approved, FinPro orchestrates secure data fetching from Financial Information Providers:

• Automated Data Fetch: Trigger data retrieval automatically upon consent approval or schedule periodic fetches for recurring consents
• Bulk Data Engine: High-throughput data fetching infrastructure supports large-scale operations with intelligent queueing and retry logic
• Multiple Format Support: Retrieve financial data in JSON, XML, or PDF formats based on downstream system requirements
• Account-Level Access: Granular access to specific linked accounts and FI types as per consent scope

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Explore Data Management APIs

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3. Smart AA Router

Intelligent routing engine that optimizes AA selection based on multiple factors:

• Multi-AA Integration: Connect with multiple Account Aggregators simultaneously
• Dynamic Routing Logic: Route based on FIP coverage, AA health metrics, or custom business rules
• Automatic Failover: Re-route traffic in case of AA downtime or degraded performance
• Value Optimization: Configure routing preferences based on transaction success rates and customer experience metrics

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Explore Smart AA Router

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4. Financial Insights and Analytics

Built-in analytics engine that transforms raw financial data into actionable insights:

• Transaction Categorization: Automatically categorize transactions across 30+ categories including salary, EMI, rent, shopping, healthcare, and more
• Income and Spend Analysis: Calculate average balances, salary trends, spending patterns, and cash flow metrics
• Risk Indicators: Detect irregularities such as bounced transactions, round-figure patterns, and suspicious activities
• Custom Rules Engine: Build proprietary credit decisioning logic with configurable business rules

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Explore Analytics Capabilities

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5. Recurring Consent Management

Manage periodic data fetches for ongoing monitoring use cases:

• Loan Monitoring: Track borrower financial behavior post-disbursal to detect early signs of stress
• Collections Optimization: Time collection calls based on real-time transaction activity
• PFM and Wealth: Auto-update customer portfolios for balance tracking, asset valuation, and budgeting
• Dynamic Cohorting: Segment customers into risk buckets based on observed transaction patterns

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Explore Recurring Consent Management

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6. MIS and Funnel Analytics

Real-time operational intelligence for monitoring AA journey performance:

• Funnel Visualization: Track drop-offs across consent creation, approval, account linking, and data fetch stages
• Per-FIP and Per-AA Metrics: Drill down by FIP, AA, or account type to identify performance bottlenecks
• Downloadable Reports: Export data for offline analysis or integration with BI tools
• Self-Service Dashboards: Intuitive interface for exploring metrics without technical support

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Explore MIS and Funnel Analytics

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Integration Options

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API-First Architecture

FinPro exposes RESTful APIs for all operations, enabling seamless integration with existing systems. Authentication is handled via OAuth2 client credentials flow.

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Webhook Notifications

Real-time event notifications for consent lifecycle changes and data readiness events. Webhooks include HMAC signatures for verification and can be configured per environment.

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Admin Portal

Web-based dashboard for configuring consent templates, managing webhooks, monitoring system health, and accessing operational reports.

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SDK Support (Coming Soon)

Pre-built SDKs for popular programming languages to accelerate integration and reduce development effort.

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Use Cases

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Digital Lending

• Credit Evaluation: Fetch bank statements, salary slips, and investment data for underwriting decisions
• Income Verification: Detect salary credits with 97% accuracy to validate borrower income
• Alternate Data Sources: Access GST, mutual fund, and equity data for comprehensive credit profiling

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Loan Monitoring and Collections

• Post-Disbursal Tracking: Monitor borrower account activity to detect early warning signals
• Pre-Default Interventions: Trigger outreach campaigns when spending patterns indicate stress
• Collection Timing: Optimize call timing based on real-time account balance and transaction activity

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Personal Finance Management

• Account Aggregation: Consolidate multi-bank financial data for unified portfolio tracking
• Budgeting and Forecasting: Analyze income and expense patterns to provide spending insights
• Goal Tracking: Monitor progress toward savings and investment goals

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Wealth Management

• Portfolio Consolidation: Aggregate investments across mutual funds, equities, fixed deposits, and PPF accounts
• Asset Valuation: Auto-update portfolio values based on market data and account balances
• Personalized Advisory: Provide tailored recommendations based on complete financial picture

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Insurance Underwriting

• Risk Assessment: Evaluate applicant financial stability using bank statement analysis
• Premium Calculation: Adjust premiums based on verified income and asset ownership
• Fraud Detection: Identify suspicious patterns and anomalies in financial behavior

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Security and Compliance

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Data Encryption

• End-to-end encryption for all financial data in transit
• Customer-specific key pairs ensure only authorized parties can decrypt data
• Zero plaintext storage on Moneyone servers

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Audit Trails

• Comprehensive logging of all consent requests, approvals, and data fetches
• Immutable audit records for regulatory compliance and dispute resolution

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Access Control

• Role-based access control (RBAC) for internal users
• API key and OAuth2 authentication for programmatic access
• IP whitelisting and rate limiting for additional security

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Compliance Framework

• Adherence to RBI Account Aggregator guidelines
• ReBIT technical specification compliance
• Personal Data Protection norms
• IT Act 2000 requirements

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Getting Started

Quick Start Guide

Follow the step-by-step guide to get up and running

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Support and Resources

• Technical Documentation: Comprehensive API reference with request/response examples
• Postman Collection: Pre-configured API collection for testing and integration
• Admin Portal: Self-service configuration and monitoring dashboard
• Developer Support: Dedicated technical support team for integration assistance