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OCEN launched in 2020 to do for credit what UPI did for payments. NPCI and Sahamati publish their numbers every month. OCEN publishes none, and that absence explains more than any feature gap.
India's Account Aggregator has crossed 2.61 billion enabled accounts and 253 million linked users. Here's what the 2026 maturity picture means for B2B builders, and the three constraints that still bite.
India's Account Aggregator network now covers 2.88 billion financial accounts. But 62% of borrowers still can't complete an AA-based data fetch. Here is how the framework works, and what that gap means for how you build.
India has five DPI layers: Aadhaar, UPI, ONDC, Account Aggregator, and OCEN. Each is governed separately, has its own API surface, and has a different adoption curve. Here is what each one does in 2026.
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