High Level Platform Design Open Banking API Hub Consent Management Platform Open Banking API Open Banking API AI/ML Pr AI/ML Pr oducts API oducts API Fintechs (AISP) ASPSP’s Distributed Streaming Platform (Banks) 1. Income & Expenditure 1. Income & Expenditure Retailers (PISP) Assessment Assessment 2. Affordability Score 2. Affordability Score 3. Anomaly & Fraud 3. Anomaly & Fraud Big Data AI/ML AI/ML Detection Detection 4. Payments (PISP) 4. Payments (PISP) Platform Platform Deployment Ducit.ai Open Banking AI/ML Platform Ducit.ai Consumer App © Ducit.ai - Private & Confidential 8