Have you wondered ever why they're giving things to you free when it costs such a huge amount of money to just aggregate and put it up there, not to talk about the time, effort, money and energy in providing transaction facility too. We pay lakhs of Rupees of fees just to use an accounts aggregator which puts it all up in our app and web login which clients can see.
Out of the platforms mentioned by you, one of them tried to tie up with us (won't name it due to the NDA clause signed). When we went into details of the work in their backyard, we found that the clients were the products really, as they famously say. Do you like it?
That is why SEBI, which is so investor-centric, is bringing them all under regulations because each one of these platforms is doing their own ugly-little things at the back. I heard that Groww is even going to slide from red to black – where is this profitability coming from?
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