Business Analysis Insights
CURRENT_ANALYTICAL_FRAMEWORK_ENHANCED
KEY_METRICS_BEING_TRACKED
CI_GROWTH_RATE = Consent Initiated growth tracking (day-on-day percentage)
AR_DECLINE_TRACKING = Approval Rate monitoring (day-on-day changes)
CF_GROWTH_RATE = Consent Fulfilled growth rate percentage
CONSENT_SR_TRACKING = Success Rate monitoring with growth patterns
DF_SR_TRACKING = Data Fetch Success Rate with day-on-day changes
MONTHLY_TARGET_FRAMEWORK_UPDATED
MTD_TRACKING = Month-to-Date performance vs targets
TARGET_SETTING = 2x market growth rate (market 10% → finvu 20%)
SURPLUS_CALCULATION = actual performance vs target variance
DAILY_DEFICIT_TRACKING = daily shortfall from monthly targets
TRAFFIC_PROJECTIONS = forward-looking volume estimates
MARKET_SHARE_TARGET = 40% market share (long-term vision)
FIU_WISE_BREAKDOWN = [Navi, Cred, Axis, ICICI, Bajaj Finance, RKB Finance]
GROWTH_RATE_ANALYSIS = client-specific growth patterns
CONSENT_VOLUME_TRACKING = absolute numbers + growth percentages
TRAFFIC_DISTRIBUTION = client volume contribution analysis
REVENUE_ATTRIBUTION = ₹3/fetch (lending) vs ₹0.10/month (PFM)
BUSINESS_INTELLIGENCE_PATTERNS_REFINED
DAY_ON_DAY_TRACKING = short-term trend identification
MONTH_TO_DATE_ANALYSIS = progress toward monthly goals
TARGET_VS_ACTUAL = variance analysis for course correction
GROWTH_RATE_FOCUS = 2x market rate as primary KPI
COMPETITIVE_BENCHMARKING = vs OnemoneyAA (70% market leader)
CLIENT_SEGMENTATION_INSIGHTS
TOP_PERFORMING_CLIENTS = highest volume + growth rate identification
UNDERPERFORMING_SEGMENTS = clients requiring attention/support
TRAFFIC_CONCENTRATION = dependency risk on key clients
DIVERSIFICATION_TRACKING = client portfolio balance monitoring
LENDING_VS_PFM_BALANCE = strategic revenue mix optimization
REGULATORY_REPORTING_REQUIREMENTS
SAHAMATI_REPORTING_INTEGRATION
DAILY_METRICS = [AA-FIP performance, timelag metrics, FI ready ratios]
MONTHLY_BREAKDOWN = [Consents Raised, Consents Approved, Successful Data Fetch per consent/FIP]
PURPOSE_CODE_BREAKDOWN = 101/102/103/104/105 specific metrics
FI_TYPE_BREAKDOWN = deposit, mutual fund, insurance, etc.
RBI_COMPLIANCE_TRACKING
MONTHLY_REPORTS = [FIP Details, FIU Details, Business Metrics]
ONBOARDED_ENTITIES = Current: 59 FIPs, 197 FIUs (as of May 2025)
TRANSACTION_VOLUMES = Consent metrics, Data fetch metrics
COMPLIANCE_METRICS = Regulatory adherence tracking
DW_DESIGN_IMPLICATIONS_UPDATED
REQUIRED_AGGREGATION_LEVELS
DAILY_AGGREGATES = day-on-day calculations for all key metrics
MONTHLY_AGGREGATES = MTD tracking + target comparison
CLIENT_LEVEL_AGGREGATES = FIU-wise performance breakdown
GROWTH_RATE_CALCULATIONS = period-over-period percentage changes
REGULATORY_AGGREGATES = Sahamati + RBI report automation
DASHBOARD_REQUIREMENTS_ENHANCED
EXECUTIVE_SUMMARY = 2x growth rate tracking + market share progress
OPERATIONAL_DETAILS = 5-stage → 8-stage funnel drill-down
REGULATORY_DASHBOARDS = Automated Sahamati/RBI reporting
CLIENT_PERFORMANCE = Revenue attribution + success rate correlation
COMPETITIVE_ANALYSIS = Market positioning vs OnemoneyAA
CRITICAL_BUSINESS_RULES_CONFIRMED
TARGET_BASELINE = 2x market growth rate (20% vs 10% market)
DEFICIT_ALERTING = daily shortfall from monthly targets
TRAFFIC_PROJECTIONS = forward-looking capacity planning
CLIENT_HEALTH_SCORING = performance-based client categorization
FIP_HEALTH_ATTRIBUTION = separate FIP vs AA performance issues
ENHANCED_FUNNEL_REQUIREMENTS_CONFIRMED
MULTI_LEVEL_FUNNEL_SUPPORT
OVERVIEW_FUNNEL = 5-stage executive view (CI→CA→CF→DRI→DRF)
DETAILED_FUNNEL = 8-stage operational view for drill-down
FUNNEL_CONVERSION_RATES = stage-to-stage success percentages
DROP_OFF_ANALYSIS = stage-wise failure attribution
ERROR_CATEGORIZATION = NO-RECORDS-FOUND/FAILED/SUCCESSFUL
API_LEVEL_ANALYSIS = eventName + HTTP response codes
LOG_INVESTIGATION = individual transaction logs
DIMENSIONAL_ANALYSIS_MATRIX_EXPANDED
FIU_DIMENSION = client-specific funnel performance
PURPOSE_CODE_DIMENSION = 101/102/103/104/105 breakdown
USER_TYPE_DIMENSION = new vs existing user behavior
FIP_HEALTH_DIMENSION = provider-specific impact analysis
TSP_DIMENSION = technical service provider segmentation
LICENSE_TYPE_DIMENSION = SEBI, RBI, other regulatory categorization
JOURNEY_TYPE_DIMENSION = assisted vs DIY performance comparison
CUSTOMER_IDENTITY_ENHANCEMENT
CURRENT_LIMITATION = mobileno@finvu ≠ unique individual user
ENHANCEMENT_AVAILABLE = masked account numbers for deduplication
DATA_BLIND_COMPLIANCE = maintained while improving identity resolution
BUSINESS_VALUE = better unique user tracking + customer lifetime value
CURRENT_VS_TARGET_STATE_UPDATED
CURRENT_APPROACH = spreadsheet-based manual analysis + Excel distribution
TARGET_STATE = ClickHouse DW with real-time dashboards + automated regulatory reporting
TRANSITION_STRATEGY = maintain current KPIs while enhancing granularity + multi-dimensional analysis
SCALABILITY_FOCUS = support 2x growth rate + 40% market share target
KEY_ENHANCEMENT = automated Sahamati/RBI reporting + <3 second drill-down capability
BUSINESS_POSITIONING = gateway product similar to OTP providers (performance differentiation)
