印孚瑟斯董事长兼印度唯一身份识别管理局创始主席南丹·尼勒卡尼呼吁，将账户聚合器生态系统的覆盖范围扩大至现有范围之外，以使金融服务更加普及和具有包容性，特别是针对小企业、零工和街头小贩。
Nandan Nilekani, Chairman of Infosys and Founding Chairman of the Unique Identification Authority of India , has called for expanding the Account Aggregator ecosystem beyond its current reach to make financial services more accessible and inclusive, particularly for small businesses, gig workers and street vendors.
尼勒卡尼在2026年印度开放金融对话峰会上表示，账户聚合器生态系统需要从覆盖20%的成年人增长到50%，他强调了该系统在扩大信贷准入以及支持一个更具生产力、包容性和数据驱动的经济方面的潜力。
Speaking at the SAMVAAD India Open Finance Summit 2026, Nilekani said the Account Aggregator ecosystem needs to grow from reaching 20% of adults to 50%, highlighting its potential to expand access to credit and support a more productive, inclusive and data-driven economy.
他列举了印度数字公共基础设施的规模，并指出，Aadhaar系统每天记录9000万次身份验证，95%的成年人已注册。
He cited the scale of India's digital public infrastructure, noting that Aadhaar records 9 crore authentications per day, with 95% of adults enrolled.
统一支付接口每天处理7.5亿笔交易，覆盖45%至50%的成年人，而账户聚合器生态系统每天记录100万次授权，覆盖20%的成年人。
The Unified Payments Interface processes 75 crore transactions daily and reaches 45-50% of adults, while the Account Aggregator ecosystem records 10 lakh consents per day and reaches 20% of adults.
尼勒卡尼表示，账户聚合系统的优势在于金融数据的多种用途。他呼吁将所有金融数据纳入账户聚合网络，并将其应用范围扩大到借贷领域以及已经拥有银行账户的人群之外。
Nilekani said the strength of the AA system lies in the multiple uses of financial data. He called for bringing all financial data onto the AA network and expanding its applications beyond lending and beyond the already banked population.
他指出，该生态系统目前主要覆盖受薪阶层，需要将其覆盖范围扩展到街头小贩、零工以及微型、小型和中型企业。
账户聚合器框架可以帮助没有资产的人根据其金融数据获得信贷，为那些原本可能难以获得贷款的借款人开辟新的机遇。
He noted that the ecosystem primarily reaches salaried individuals and needs to extend its reach to street vendors, gig workers and micro, small and medium enterprises .The Account Aggregator framework could help people without assets access credit based on their financial data, opening up new opportunities for borrowers who may otherwise struggle to obtain loans.
尼勒卡尼表示，账户聚合生态系统拥有多种用例，并提供了一个将印度转型为具有生产力、包容性和数据驱动的经济体的机遇。他还表示，世界各地没有任何地方存在可与之相比的系统。账户聚合器与人工智能可以支持小企业尼勒卡尼强调了将账户聚合器基础设施与人工智能相结合的潜力，以帮助数百万小企业创办、成长并创造就业。
Nilekani said the AA ecosystem has multiple use cases and presents an opportunity to transform India into a productive, inclusive and data-driven economy. He also said there was no comparable system anywhere in the world.AA and AI can support small businessesNilekani highlighted the potential of combining Account Aggregator infrastructure with artificial intelligence to help millions of small businesses start, grow and create employment.
他强调了赋能数百万小企业必要性，并补充说，较小的企业对人工智能对就业影响的抵抗力更强，因为它们执行的许多任务是人工智能无法完成的。“我们正在为数百万家小公司的诞生创造基础设施。”印孚瑟斯董事长南丹·尼勒卡尼
He stressed the need to enable millions of small businesses, adding that smaller enterprises are more resistant to the impact of AI on jobs because many tasks they perform cannot be done by AI.“We are creating infrastructure for the birth of millions of small companies.”NANDAN NILEKANI, INFOSYS CHAIRMAN