An Account Aggregator (AA) is an RBI regulated entity (with an NBFC-AA license) that helps an individual digitally access and share information from one financial institution (Financial Information Providers) they have an account with to any other regulated financial institution (Financial Information users) securely in the AA network. Data cannot be shared without the consent of the individual. AAs are data fiduciaries that only fetch, consolidate, aggregate data from Financial Information Providers (FIPs), and basis explicit customer, consent present these data to Financial Information Users (FIUs).