Know your customer data
Profile details, KYC records, bureau data and payment history sit across app backends, data lakes and partner systems. DPDP.ai FINDS and categorises this personal data. Then it maps it by system, owner, purpose and retention.
FINTECH, PAYMENTS & LENDING
DPDP Act compliance for Fintech
DPDP Act compliance for Fintech
Absolutely every payment platform, lending app, and wallets collect personal data from the first page. Under the DPDP Act, that data is your responsibility. DPDP.ai brings consent, rights requests and partner oversight into one system, so you can keep shipping fast and stay audit-ready.
- RBI and DPDP mapped together
- Notices in 22 languages
- Go live in as little as 2 weeks
Why it matters
What changes for
What changes for
Fintech Sector
Under the DPDP Act, fintechs are Data Fiduciaries, and their lending partners, KYC providers, cloud hosts and analytics vendors are Data Processors. DPDP.ai gives you one platform to meet those duties across every app, journey and partner.
One view across customer journeys
Onboarding, loan offers, repayments and cross-sell each ask for consent in their own way. DPDP.ai offers multilingual, purpose-linked notices and a single consent ledger with withdrawal. Consent signals reach downstream systems in real time.
Collect only what you need:
App permissions, SDKs and API calls often collect more than the service requires. Data flow monitoring shows what each component takes, so you can cut excess collection.
Clear timelines for planning
Consent Manager registration opens on 13 November 2026, and obligations take effect on 13 May 2027. DPDP.ai's phased modules (Consent Core, Flow, Control, Govern) let you start with consent and expand as you go.
Manage Partners and their risks
Vendor risk assessment and processor mapping in the ROPA tie each lender, KYC provider and cloud host to the data it handles.
Penalties exposure
The penalty for one violation can go as high as ₹250 crore, depending on which obligation is breached. With DPDP.ai, you reduce that risk through controls you can prove.
Challenges
Why Fintech Compliance Gets Hard under DPDP
Why Fintech Compliance Gets Hard under DPDP
Businesses ship software fast and test new features all the time. This creates a problem where privacy checks often get skipped or pushed to later. These are the weak spots compliance teams spot first.
Contact Sales-
01
Apps that ask for too much
Requests for contacts, location or device details can go beyond the real need of the service.
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02
Consent that changes by journey
Onboarding, lending, repayment and promotions each gather permission in their own way.
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03
Data copied across many partners
User details travel between lenders, collection agencies, KYC vendors and cloud environments.
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04
Notices that age quickly
When a product changes, the privacy notice and consent often stay the same, so they no longer match what the product actually does.
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05
Request volumes that overwhelm teams
A large user base produces more access and deletion requests than manual handling can clear in time.
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06
Data that outlives its purpose
No clear rule for when data should be deleted, or relies on people to delete it manually, the deletion keeps getting delayed.
How DPDP.ai helps
Every fintech challenge,
Every fintech challenge,
solved with DPDP.ai
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Fintech challenge: User data sits across app backends, data lakes and partner systems.
How DPDP.ai solves it: A scan of structured and unstructured sources produces an always-current map of personal data.
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Fintech challenge: Consent wording differs between onboarding, lending and repayment
How DPDP.ai solves it: A single consent engine controls capture, version history and withdrawal for every flow.
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Fintech challenge: SDKs and app permissions gather more than necessary
How DPDP.ai solves it: Flow monitoring exposes what each component takes and where it sends it.
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Fintech challenge: Dependence on lending partners, KYC APIs and cloud hosts
How DPDP.ai solves it: Each vendor is reviewed on a schedule against what its data-processing agreement promise.
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Fintech challenge: Notices lag behind new releases
How DPDP.ai solves it: Notices live in one workspace and can be updated and issued in many languages.
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Fintech challenge: Heavy flow of access, correction and erasure requests
How DPDP.ai solves it: Requests from Data Principals are logged, assigned and completed across linked systems within the deadline.
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Fintech challenge: Breach handling spread across teams and partners
How DPDP.ai solves it: A guided workflow gathers proof and drives the response from first detection to timely notice.
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Fintech challenge: Web journeys running trackers without permission
How DPDP.ai solves it: Cookie controls display compliant banners and remember each visitor's choice.
Trusted by banks, insurers and lenders across India
FAQs
DPDP for fintech, answered.
These are the questions product, legal and engineering teams at fintechs raise with us most often.
Talk to an ExpertIs a fintech a Data Fiduciary or a Data Processor?
That depends on what it does. If it sets the purpose and method of using customer data, it is a Data Fiduciary. If it handles data only on behalf of a bank or lender, it is a Data Processor.
What is the impact of the DPDP Act on the fintech sector in India?
The DPDP Act enforces strict rules over the Indian fintech sector. The rules are strict consent, data minimization, and heavy penalties up to ₹250 crore for non-compliance.
When do DPDP obligations start for fintechs?
The DPDP Act is set to roll out in schedules, the obligations start on 13 May 2027. Fintechs should use the time before then to map their data and fix their consent flows.
What is the penalty for violating the DPDP Act?
The penalty for violating a single rule can attract a penalty of up to ₹250 crore, depending on which obligation is breached.
How can a fintech manage consent?
Fintech sectors can use one consent system for every management. A single ledger records each consent, its history and handles withdrawal. DPDP.ai does this with multilingual and purpose-linked notices. The tool updates as consent changes in real time.
Get started
Make speed and compliance
Make speed and compliance
work together
Find out how DPDP.ai can sit across your product stack, user consent and partner network without slowing the next release.
- Live demo on a banking use case
- Gap assessment across consent, data and vendors
- Go live in as little as 2 weeks
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