About SamvAAd’ 26
The flagship and largest gathering of the Account Aggregator ecosystem, organized by Sahamati, the RBI-recognized self-regulatory organisation for the Account Aggregator Ecosystem. Samvaad is a platform where the AA community comes together to connect, collaborate, and shape the future of data-driven finance.
Designed as a practical learning-focused experience, it enables strategic conversations through curated tracks and pre-event roundtables, showcases award-winning implementations and impactful use cases, and features insightful sessions and masterclasses by innovators, industry leaders, and policymakers.
With high-intent stakeholders driving real AA adoption, innovation booths by ecosystem enablers offering deployment-ready solutions, and live Financial Inclusion pilots demonstrating on-ground impact, the event is a true catalyst for collective growth and community-led progress.
2000+
Participants
500+
Organisations
100+
Speakers
50+
Sessions
40+
Event Partners
About the AA ecosystem
The Account Aggregator (AA) ecosystem is reshaping financial data sharing in India by putting the customer at the centre of the process. Built on a secure, consent-led, and interoperable framework, AA enables individuals and businesses to share their financial information digitally with trusted institutions in a safe, transparent, and purpose-linked manner.
What began in 2021 with just eight participants has now grown into a scalable, cross-sectoral network of 1,090 Financial Institutions across banking, NBFCs, insurance, and capital markets. As the only cross-sectoral open finance network in India, AA is enabling seamless data sharing across the financial services ecosystem while preserving user control and consent at every step.
As AA continues to mature as foundational financial infrastructure, its role is expanding beyond lending to support broader customer use cases across personal finance, wealth, insurance, risk assessment, and financial inclusion, reinforcing its position as a key pillar of India’s Digital Public Infrastructure.
2+ crore customers facilitated by AAs in FY25
470+ million consents fulfilled
9+ crore Financial Services Delivered
1000+ Participants in the AA Ecosystem
14 Live Use Cases
What’s in Store to Experience SamvAAd’ 26

Sahamati Innovation Challenge 2026

Witness innovation in real-time as teams battle it out to build groundbreaking solutions within the Account Aggregator ecosystem.

Consumer Awareness Showreel

Stay informed with our engaging showreel that highlights key consumer insights and the transformative impact of AAs.

Insightful Panel Discussions

Join industry experts as they delve into the current and future landscape of financial services, offering deep dives into technology, policy, and much more.

Keynotes from Industry Leaders

Hear from the visionaries at the forefront of financial innovation who are shaping the industry's future.

CXO's Talk

Gain exclusive insights from C-level executives who are steering their organizations towards new frontiers in finance.

Fireside Chats

Get up close and personal with thought leaders in intimate discussions that explore the heart of financial disruptions and successes.
Blogs
Financial Services Innovation Challenge

Smarter Risk. Better Products. Broader Reach.

The Financial Services Innovation Challenge recognises practical, implemented solutions built using Open Finance data. It celebrates innovations that are solving real-world problems across the financial services value chain—from improving customer access, experience, and outcomes to enabling institutions to operate more efficiently, securely, and at scale.
Smarter Risk
Risk assessment, fraud prevention, monitoring
Better Products
Personalised, contextual financial solutions
Broader Reach
Inclusion, new segments, scalable access

Who can participate?

Customer-facing solutions
Improving access, experience,
personalisation, and outcomes
B2B / institutional solutions
Enabling compliance, onboarding, servicing, monitoring, and operational efficiency
Agenda

Experience the 3Is (Impact, Innovation and Implementation) of Open Finance in India

  • 14 OCTOBER 2026
  • 15 OCTOBER 2026

The sessions listed below are invite-only.

            1

Cross-Border Interoperability and Data Sharing

Exploring how interoperability between global Open Finance frameworks can enable seamless cross-border financial data sharing and improve the efficiency of trade and commerce.

Format: Roundtable
            2

Catalysing Ecosystem Growth Through Grants and Philanthropy

Showcasing the Account Aggregator ecosystem’s potential and examining where philanthropic capital can help promising initiatives move from early-stage pilots to systemic scale.

Format: Roundtable
            3

Advancing Household Financial Health in India

Examining how policy, products, incentives and financial infrastructure can work together to improve households’ savings, insurance, investments, income resilience and overall financial well-being.

Format: Roundtable
            4

Unlocking Composite Insurance Through Open Finance

Exploring the opportunities, challenges and consumer implications of composite insurance licences, including their potential to simplify customer journeys and encourage innovation.

Format: Roundtable
            5

From Data to Decisions

A New Suitability Framework Exploring how consent-based financial data can help lenders and insurers design bundled solutions that better reflect a borrower’s financial capacity and risk profile.

Format: Roundtable
            6

Global Commercial Data Standardisation

Discussing the standardisation required to securely exchange commercial and operational data from global ERP platforms, telecommunications signals and accounting systems through Open Finance frameworks.

Format: Roundtable
            7

AI Agents in the Account Aggregator Framework

Examining the potential role of AI agents within the Account Aggregator ecosystem and the considerations required for their responsible and effective adoption.

Format: Roundtable
            8

Aikya:Discussion on a Loan-Stacking Intelligence Platform

Discussing how real-time detection of loan stacking before and after disbursal can help lenders identify emerging risks and make more informed credit decisions.

Format: Roundtable
            9

Strengthening Governance: A New Review Framework for Sahamati as an SRO

Discussing a proposed review framework to strengthen governance, accountability and institutional effectiveness as Sahamati advances its role as a Self-Regulatory Organisation.

Format: Roundtable
          10

Account Aggregators for Government Schemes: Policy Deliberation and Whitepaper Launch

Exploring how consent-based data can improve eligibility verification, fund-utilisation monitoring and impact assessment for government schemes, alongside the launch of a proposed adoption roadmap.

Format: Roundtable
          11

Member-Exclusive Workshop: Designing for Trust

An interactive workshop exploring how inclusive and thoughtful design can strengthen trust, transparency and confidence in digital financial services across the Account Aggregator ecosystem.

Format: Workshop
          12

Corporate Accounts: An Enabler for Unlocking Key Use Cases in the Securities Industry

Exploring how corporate accounts can support securities-industry use cases such as unit reconciliation, surveillance and broader financial management.

Format: Roundtable
          13

AA in Insurance: What’s Holding Back the Next Leap?

Identifying the customer, operational, data and distribution barriers limiting AA adoption in insurance, while exploring practical solutions and emerging use cases beyond onboarding.

Format: Roundtable
          14

Enhancing the Inclusivity of the AA Ecosystem

Exploring how the Account Aggregator ecosystem can become more accessible and relevant to underserved individuals, communities and institutions across India.

Format: Roundtable
  • Keynote
  • Track 1
  • Track 2
  • Track 3
9:30 AM

Welcome to SamvAAd 2026

Address by Shri R Gandhi, Chairman, Sahamati
Shri BG Mahesh, CEO, Sahamati

15 MINS
9:45 AM

Demo of

The Unified Dashboard of Consumer Consents By Sahamati

05 MINS
9:50 AM

Event inauguration with lamp lighting

10 MINS
10:00 AM

Inaugural Keynote speech by Esteemed Guest of Honour

10 MINS
10:10 AM

Measuring India's Data Empowerment Dividend

AA Framework's Impact on Credit, Growth, and GDP

Report by Sahamati, CAFRAL, CRIF

10 MINS
10:20 AM

Launch of Project Adhikar

Accelerating Government - backed Lending with AA

15 MINS
10:35 AM

Plenery Address by Esteemed Guest of Honour

10 MINS
10:45 AM

Launch of the Account Aggregator Certified Professional (AACP)

The Industry Certification for Account Aggregator and Open Finance Professionals

By Sahamati, Accion, NIBM

10 MINS
10:55 AM

Plenery Fireside Chat

Shaping the Future of India's Financial Ecosystem: Trust, Inclusion and Consumer Empowerment

Shri Ajay Seth, Chairman, Insurance Regulatory and Development Authority of India (IRDAI)
Smt Monika Halan, Independent Director, Sahamati

35 MINS
11:30 AM

Break

15 MINS
11:45 AM

Plenery Address by

Shri Sivasubramanian Ramann, Chairperson Pension Fund Regulatory and Development Authority (PFRDA)
From Financial Inclusion to Financial Well-being: Building a Financially Healthy India

15 MINS
12:00 AM

Address by

Shri Nirav Prajapati, Co-Founder, Ignosis AI

15 MINS
12:15 AM

The Account Aggregator Excellence Awards 2026

Honoring the Leaders and Innovators Shaping India's AA ecosystem

15 MINS
12:45 PM

The Journey to Build Sustainability Equation for Open Finance in India

By Sahamati

15 MINS

Transforming Risk with Trusted Data

2:00 PM

Track Keynote address on

Risk & AI in Financial Services

10 MINS
2:10 PM

Panel Discussion on

Rethinking Income Assessment, Suitability & Customer Financial Health

40 MINS
2:50 PM

Demo by Winner of SamvAAd 2026 Innovation Competition

10 MINS
3:00 PM

Demo by Winner of SamvAAd 2026 Innovation Competition

10 MINS
3:10 AM

BREAK

10 MINS
3:20 PM

Panel Discussion on

The Next Frontier in Risk Management

40 MINS
4:00 PM

Presentation on

Safeguarding the Consent Economy Protecting Consumer Trust in the AA Ecosystem

20 MINS
4:20 PM

Panel Discussion on

The Trust Layer: Reimagining Data Governance for Open Finance

40 MINS

Unlocking Financial Inclusion through AA

2:00 PM

Track Keynote address on

Inclusion in Financial Services

10 MINS
2:10 PM

Panel Discussion on

From Collateral to Cash Flow: Reimagining MSME Credit Risk with Open Finance

40 MINS
2:50 PM

Demo by

Consent Simplified Showcase of VoiceBased Journeys in the Account Aggregator Framework

10 MINS
3:00 PM

Demo by

The BC Advantage Powering Last-Mile Access to Interoperable Passbooks

10 MINS
3:10 AM

BREAK

10 MINS
3:20 PM

Panel Discussion on

Financial Resilience Score — Powering 100 Crore Adult Population

40 MINS
4:30 PM

Demo by

Winner of SamvAAd 2026 Innovation Competition

10 MINS
4:40 PM

Demo by

Winner of SamvAAd 2026 Innovation Competition

10 MINS
4:50 PM

BREAK

40 MINS

Powering the Next Wave of Financial Innovation with AI

2:00 PM

Track Keynote address on

Open Finance in Global Markets

10 MINS
2:10 PM

Demo by

Enabling AI Agents in Open Finance Frameworks with guardrails

20 MINS
2:30 PM

Demo by

How to optimize usage across AI Models through a single AI Gateway

15 MINS
2:45 PM

Demo by

How Financial institutions can deploy a ready-to-use AI Agents Platform

15 MINS
3:00 PM

Demo by

How Confidential Computing can strengthen Privacy in Open Finance Frameworks

15 MINS
3:15 AM

Demo by

Aikya How to detect Loan Stacking across the ecosystem

15 MINS
3:30 PM

Demo by

Winner of SamvAAd 2026 Innovation Competition

10 MINS
3:40 PM

Report Launch GofAIr

The Future of Open Finance in the Age of AI

10 MINS
3:50 PM

Panel Discussion on

What Privacy Must Mean in the Next Decade

40 MINS

A disclaimer note: The agenda is subject to change at the organiser's sole discretion. The organiser reserves the right to modify the sessions, speakers, and/or the timings, without any prior notice*

Speakers

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Event Partners

Title Partner

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