Numbers › AI Visibility Index — India
AI Visibility Index — India · November 2026
Banking and account aggregator APIs: who AI assistants name for Indian startups (Nov 2026)
We asked 3 AI assistants 5 questions an Indian founder asks about banking and account aggregator APIs. Named in the most questions: Setu (4 of 5 from memory, 3 searching the web), Finvu (3 of 5 from memory, 2 searching the web), Perfios (3 of 5 from memory, 2 searching the web).
Who is named
| Tool | From memory | Searching the web | Claude Haiku (of 5) | GPT-4o mini (of 5) | Claude Haiku + web search (of 5) | Usual place |
|---|---|---|---|---|---|---|
| Setu | 4 of 5 | 3 of 5 | 4 | 0 | 3 | #2 |
| Finvu | 3 of 5 | 2 of 5 | 3 | 1 | 2 | #2 |
| Perfios | 3 of 5 | 2 of 5 | 3 | 0 | 2 | #4 |
| Zeta | 3 of 5 | 1 of 5 | 0 | 3 | 1 | #6 |
| RazorpayX | 2 of 5 | 1 of 5 | 1 | 1 | 1 | #2 |
| Open | 1 of 5 | 1 of 5 | 1 | 1 | 1 | #1 |
| Decentro | 1 of 5 | 1 of 5 | 1 | 0 | 1 | #5 |
| M2P Fintech | 0 of 5 | 1 of 5 | 0 | 0 | 1 | #1 (web) |
Also named, not in our directory
- Razorpay · 8
- Finbox · 4
- Cashfree · 3
- Cashfree Payments · 3
- OneMoney · 3
- PayU · 3
- Account Aggregator · 2
- Anumati · 2
- Nium · 2
- Niyo · 2
Questions buyers ask
Which banking and account aggregator APIs do AI assistants name most for Indian startups?
In our Nov 2026 run, Setu (4 of 5 from memory, 3 searching the web), Finvu (3 of 5 from memory, 2 searching the web), Perfios (3 of 5 from memory, 2 searching the web) were named in the most buyer questions. This counts how often an assistant names a tool; it does not say which tool is better.
Which banking and account aggregator APIs did AI assistants not name?
Every tool in our directory for banking and account aggregator APIs was named at least once in the 5 questions asked on 9 November 2026.
How were these AI answers collected, and will they change?
On 9 November 2026 we sent each of the 5 questions once to Claude Haiku and GPT-4o mini and Claude Haiku + web search through their APIs, with no company named in the question (from memory: Claude Haiku (Anthropic) and GPT-4o mini (OpenAI), with no web search · searching the web: Claude Haiku + web search (Anthropic), one search per answer, asked 10 November 2026): 15 answers. The same question can get different names on another day, so read this as one dated snapshot.
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Run the free checkThe 5 questions, and the names in each answer
1. Which banking API provider should an Indian fintech startup use for payouts and virtual accounts?
- Claude Haiku · from memory
- Razorpay → RazorpayX → Cashfree Payments → Setu → Decentro
- GPT-4o mini · from memory
- Razorpay → Cashfree → PayU → Stripe → ICICI Bank API Banking → HDFC Bank API Banking
- Claude Haiku + web search · searching the web
- RazorpayX → Cashfree → Decentro → Setu
2. Best account aggregator platform in India for a lending startup?
- Claude Haiku · from memory
- Setu → Finvu → OneMoney → Perfios
- GPT-4o mini · from memory
- CRED → Zeta → Razorpay → RazorpayX → Finvu → Niyo → Akara
- Claude Haiku + web search · searching the web
- Account Aggregators → Anumati → Perfios → OneMoney → Finvu → NADL → Setu AA → CAMSfinserv
3. Open banking APIs in India — which companies should a startup look at?
- Claude Haiku · from memory
- Account Aggregator → Finvu → OneMoney → Setu → Anumati → CAMS Finserv → Perfios → Finbox → Razorpay → Cashfree Payments
- GPT-4o mini · from memory
- Razorpay → PayU → Cashfree → PhonePe → Bharat Interface for Money → Fynd → Zeta → Nium
- Claude Haiku + web search · searching the web
- Account Aggregator → FinBox → Razorpay → Setu → Open
4. Bank statement analysis API for Indian lenders — what do you recommend?
- Claude Haiku · from memory
- Finvu → Setu → Perfios → Experian India → CRIF High Mark → Finbox → Onfinance → Jocata
- GPT-4o mini · from memory
- FinBox → Razorpay → Niyo → ZestMoney → CrediFi
- Claude Haiku + web search · searching the web
- Perfios → FinBox BankConnect → Signzy → Finvu
5. Card issuing and banking-as-a-service platforms in India for a startup?
- Claude Haiku · from memory
- Open → Stripe Issuing → Infinite → Yes Bank → IDFC FIRST Bank → RBL Bank → Federal Bank → Axis Bank
- GPT-4o mini · from memory
- Razorpay → Nium → FamPay → Open Financial Technologies → PayU → Zeta → Cashfree Payments
- Claude Haiku + web search · searching the web
- M2P Fintech → Zeta → BoxoPay → iServeU → Falcon → Infinity → Marqeta
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