Account aggregator NBFC - As with most financial service products and services, loan approval process is proudly masqueraded as a complete digital process by both the mature, large NBFCs as well as the upcoming, tech savvy start-ups. The so-called shift to digital process has been a mere change to customers uploading documents or using WhatsApp to send PDF files instead of submitting physical paper based documents. It till continues to be a tedious process for customers to put together a gamut of documents and then prepare them for digital submission.