<h1>Consent-Based Account Aggregation Framework (2016) Scales Across Finance, Enabling Secure, Permissioned Data Sharing and Expanded Credit Access</h1> A regulatory framework established by the central bank in 2016 created a consent-based account aggregation system enabling encrypted, permissioned sharing of financial data between providers and users via licensed intermediaries. Over four years, the ecosystem has scaled across banking, securities, insurance and pensions, with hundreds of institutions live in provider and/or user roles and billions of accounts enabled, supporting millions of linked users. The regime has been recognized at the international policy level as a foundational digital public infrastructure layer complementing identity and payments systems, and is positioned to expand formal credit access while maintaining data-privacy and consent safeguards.