DEFAULT

**The agenda for the session is as follows:**
- Opening Remarks by BG Mahesh 
- Keynote Session by Pramod Varma
- Sahamati vision for data empowerment By Siddharth Shetty
- Account Aggregator model as the cornerstone of driving Open finance in India - Current Trends and Future Evolution by Shalini Gupta
- Hackathon Format and Explainer of Expectation and Judging Criteria by Abhishek Varshney

Sahamati

CEO (Chief Executive Officer)

BG Mahesh

Former Chief Architect of Aadhar, UPI and India stack

CTO, EkStep Foundation

Pramod Varma

Hackathon Kick-Off

**The agenda for the session is as follows:**
- Deep Dive into Account Aggregator Technical Architecture and SahamatiNet
- Q/A Session: Ask Me Anything

Session on Sahamati Net

**The agenda for the session is as follows:**
- Deepening Insurance Penetration in India with the Account Aggregator Ecosystem
- Unlocking Advisory Services for Every Indian with the Account Aggregator Ecosystem

MobiKwik

Vice President of Products (Head Of Product)

Anubhav Agarwal

Max Life Insurance

Vice President - Innovation

Colin Fernandes

Democratizing Insurance and Investment Advisory for Indians

**The agenda for the session is as follows:**

- Panel Discussion: Leveraging Financial Data for Non-financial Use Cases

IDfy

Chief Business Officer

Wriju Ray

DeenDayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY)

Head PMA

Vinay Pandey

Global Legal Entity Identifier Foundation

Alexandre Kech

TOKERE Tokenised Decarbonisation

Founder

Prafulla Agarwal

Empowering Customers to Leverage their Digital Footprints

**The agenda for the session is as follows:**
- Panel Discussion: Complementing Financial Service Delivery -with Non-financial Data
- Strengthening Risk Management in the Financial Sector

Terra Economics and Analytics Lab(TEAL)

CEO & Co-Founder

Kshitij Batra

Protean Account Aggregator Ltd.

Bertram D’souza

Trusting Social

Head Of Partnerships

Siddhartha Kohli

Plural by Pine Labs

Head of Online Payments

Tanya Naik

Panel Discussion: Complementing Financial Service Delivery with Non-financial Data

**The agenda for the session is as follows:**
- RegTech and SupTech: The Future of Financial Regulation
- Leveraging Privacy-Preserving Technologies in Financial Services

Silence Laboratories

Co-Founder & CEO

Jay Prakash

Reg Genome

Founder & CEO

Robert Wardrop

Risk Management Solutions for the Ecosystem

**The agenda for the session is as follows:**
- Reimagining Financial Services with Account Aggregator Ecosystem and GenAI
- Q/A Session: AAsk Me Anything

Reimagining Financial Services with Account Aggregator Ecosystem and GenAI

TransUnion CIBIL Limited

Chief Product Officer

Natarajan Ramani

CTO (Chief Technical Officer)

Siddharth Shetty

Head of Strategy & Policy

Shalini Gupta

Sr. Lead – Partnerships

Abhishek Varshney

Bill and Melinda Gates Foundation

Senior Advisor, Private Sector

Megha Jain

NPCI BHIM Services Ltd

Lalitha Nataraj

Fintech Association for Consumer Empowerment

Sugandh Saxena

Elevation Capital

Principal

Vaas Bhaskar

Partner

Mathew Chacko

Antler

Associate Partner

Susmit Patodia

Reserve Bank Innovation Hub (RBIH)

Head of Fintech and Startups

Aakarsh Naidu

State Bank of India

Deputy Chief Technology Officer

Susanta Dash

Prime Venture Partners

Investments @Prime Venture Partner

Shivani Kulkarni

Small Industries Development Bank of India

Chief General Manager

Ravi Tyagi

Dezerv

Co-Founder

Sandeep Jethwani

Sarvam AI

Founding Member

Saurabh Karn

Sahamati BuildAAthon 2024

Insurance penetration is only **4.2%** of GDP, compared to the global average of **7.2%**, with higher premiums and claim rejection rates. Similarly, less than **5%** of the population in India access investment advisory services. Markets like the U.K. have seen improvements in insurance penetration through Open Finance initiatives. The Account Aggregator (AA) ecosystem in India presents opportunities to develop innovative financial services and foster financial inclusion in India.

This hackathon theme challenges participants to create innovative solutions that make financial services, especially insurance and advisory services, more accessible and affordable for all Indians. The focus is reducing fraud claims, enhancing process efficiency, and leveraging new technologies to democratize financial services. Participants are encouraged to develop customer experience innovations that significantly improve usability and accessibility.

1. **Expanding Insurance Penetration in India**
2. **Expanding Advisory Services beyond HNIs and UHNIs**

Focus Area: *Accessibility & Inclusion*

**Note**: 
- There will be one winner under each theme

The DPDP Act 2023 empowers customers to control and share their personal data across sectors. Through consent managers, individuals can manage their information to access services on better terms and stimulate product innovation. The Account Aggregator (AA) ecosystem is a pioneering implementation of consent managers, and the Act opens up exciting opportunities for innovation in the financial sector.

This theme focuses on leveraging the cross-sectoral potential of the AA ecosystem. We encourage participants to explore use cases allied to financial information available on the network and to explore financial applications of non-financial data, such as government records (transport, utility, land) and private data (social media, employment, e-commerce).

1. **Explore Unifying Synchronous and Asynchronous Data Sharing**
2. **Leveraging Financial Data for Non-financial Use Cases**
3. **Complementing Financial Service Delivery with Non-financial Data**

Focus Area: *Innovation and Creativity*

**Note**: 
- There will be one winner under each theme

Access to real-time data is critical for risk management use cases that provide actionable insights. This theme invites participants to create cutting-edge solutions built on the AA framework for fraud prevention and risk mitigation in the financial sector. The theme also encourages teams to explore privacy-preserving technologies that ensure sensitive customer data remains secure while providing meaningful analysis and insights to customers and institutions alike. Additionally, we invite teams to offer solutions that strengthen the regulatory and supervisory functions in the ecosystem.

1. **Risk Management Solutions**
2. **RegTech/SupTech Solutions**
3. **Privacy-Preserving Technology**

Focus Area: *Business Impact*

**Note**: 
- There will be one winner under each theme