Retention conflicts
RBI record-keeping says keep it; the Act says delete once the purpose is served. Purpose-level retention lets both be true for different fields.
Fintech·sector risk profile
Compliance Without Slowing Onboarding
You already answer to the RBI. The DPDP Act adds a second axis — purpose limitation and erasure — to data you were told to retain. Reconciling the two is the whole job.
- Typical KYC data spread
- 14 systemsTypical KYC data spread
- Sector capabilities
- 8Sector capabilities
- Recommended plan
- GrowthRecommended plan
Where Fintech programmes usually break
KYC data sprawl
Identity documents leak into ticketing, analytics and vendor systems. Discovery finds the copies before an auditor does.
Consent at onboarding
Notices must be itemised without adding friction to a flow you have spent years optimising.
Processor accountability
Your BC network, KYC vendors and collection agencies are all processors you remain liable for.
How it works inside a fintech stack
- 1Day 1
Embed consent into onboarding
Itemised notice inside the KYC flow, capturing purpose-level consent without adding a screen.
- 2Week 1
Open the rights portal
Borrowers and payers raise access and erasure requests themselves, verified against data you already hold.
- 3Always on
Turn on breach workflow
Payment-data incidents triaged and classified the moment they are logged, with blast radius from the map.
- 4On demand
RoPA export for regulators
One record of processing, exported in the shape each regulator asks for.
Built for fintech compliance requirements
- KYC-adjacent consent flows
- Payment data breach classification
- Multi-regulator RoPA export
- Credit decisioning rights handling
- Processor DPA tracker for lending stack
- Consent proof for regulatory defence
- Withdrawal cascade to downstream processors
- Purpose-level retention against RBI rules
What changes for a fintech team
Without the platform
- KYC consent assumed to satisfy the Act
- Identity documents copied into ticketing and analytics unnoticed
- RBI retention used to justify keeping everything forever
- Breach blast radius takes days across a lending stack
With the platform
- Itemised consent captured inside onboarding, with receipts
- Every copy of KYC data mapped and owned
- Field-level retention reconciling RBI rules with erasure
- Affected principal counts in minutes, not days
Modules that close these gaps
Consent Management
Capture, version and honour every consent
Data Inventory
Know what personal data you hold, and why
Vendor Risk
Your processors are your liability
Data Retention
Delete on schedule, and prove it
Recommended plan
See plan detailsGrowth
Multi-product lending and payments stacks usually cross 1,00,000 data principals and need discovery, DPIA and SSO from day one.
Common questions
Not wholesale. Statutory retention protects the specific fields the rule names, for the period it names. Everything else still has to go when its purpose ends.
Other industries we cover
Get the DPDP readiness checklist, free
42 questions covering every operative section of the Act. No account needed — tell us where to send it.
30 minutes·one real data flow
Ready to Simplify DPDP Compliance?
Most vendors open a deck. We open the product, map one of your real data flows, and tell you honestly how far you are from compliant.
- No slides
- No obligation
- Data stays in India
What the 30 minutes looks like
- 0–5Your stack, in your wordsWhere data lands today, and who already owns it.
- 5–15One real flow, mapped liveWe connect a sample source and build the map on the call.
- 15–25Where you are exposedThe gaps we can see, ranked — including the ones you already knew.
- 25–30Effort and costWhat closing them takes, and whether we are the right answer.
If we are not the right fit, we will say so on the call rather than three follow-ups later.