Unlocking SHG potential through Account Aggregator: A white paper on data-driven financial inclusion

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The white paper examines how India’s Account Aggregator framework can connect the self-help group (SHG) ecosystem and enable consent-based data sharing. It explores ways to improve financial visibility and expand rural women’s access to credit and other financial services.

This white paper examines how integration of the National Rural Livelihoods Mission’s (NRLM) LokOS platform with India’s Account Aggregator framework can strengthen financial inclusion for self-help group (SHG) members. Secure, consent-based data sharing could improve financial visibility and access to formal credit, insurance, and other services. The paper presents a roadmap for data standards, regulatory approvals, consent frameworks, and field implementation. It also outlines safeguards and stakeholder responsibilities to ensure an inclusive, secure, and community-centered integration.