Capture lawful consent, enforce it at runtime, manage Data Principal rights and govern your entire data lifecycle — one unified platform built for Banks, NBFCs and BFSI enterprises under India's DPDP Act & Rules 2025.
Platform Overview
Consent is not just a checkbox. Pixl's platform governs every dimension of consent — creation, lifecycle management, and runtime enforcement — across your entire enterprise.
No-code Consent Form Builder for every customer touchpoint — account opening, loan origination, KYC, insurance onboarding. Publish to Web, Mobile, Branch, API and Partner Systems with version control and multilingual support in all 22 Scheduled Languages of India.
Consent is not static. Bank customers and borrowers can review, modify, renew or withdraw at any time. Every Data Principal Rights request — Access, Correction, Withdrawal, Erasure, Nomination — triggers an audited 7-step DPAR workflow that propagates updates to all downstream systems instantly.
The Policy Decision Engine (PDE) validates every data processing request in real time — against the Consent Ledger and Governance Policies — before any system accesses personal data. ALLOW, DENY or NEED_FRESH_CONSENT is returned with a full timestamped audit entry.
How It Works
From defining a business purpose to storing a cryptographically signed consent record — every step is governed, versioned and audit-ready.
Define the data processing need — KYC verification, loan disbursement, credit bureau sharing — and bind it to a DPDP-lawful basis (Legal Obligation, Legitimate Use or Consent).
No-code builder creates purpose-specific consent forms for savings account opening, personal loans, credit card issuance, insurance KYC and more.
Set Purpose, Legal Basis, Data Categories, Retention Period and all 22 Scheduled Indian Languages as mandated under DPDP Rules.
Legal, Compliance, DPO and Privacy teams review notice text and consent clauses in a structured multi-tier approval workflow before publishing.
Deploy instantly across Web, Mobile Banking App, Branch, Internet Banking Portal, API Gateway, Contact Centre and Partner Systems in one action.
Your bank customer, NBFC borrower or policyholder reviews the notice and gives granular consent through their preferred channel in any of the 22 Indian languages.
Real-time Policy Decision Engine validates against purpose, data category, retention and governance policies — returning ALLOW, DENY or NEED_FRESH_CONSENT instantly.
Every consent is stored as an immutable, cryptographically signed ledger record — audit-ready for Data Protection Board of India (DPBI) inspections and RBI regulatory reviews.
Consent Lifecycle
Consent is not static. Bank customers, borrowers and policyholders can review, modify, renew or withdraw their consent at any point. Every Data Principal Rights (DPAR) request — Access, Correction, Withdrawal, Erasure — orchestrates a 7-step workflow that updates the Consent Ledger and notifies all connected downstream systems in real time.
The Consent Ledger is the single source of truth — every application across Core Banking, CRM, LOS and Mobile Banking consults it before processing any personal data.
DPAR requests are automatically classified — Access, Correction, Withdrawal, Erasure, Grievance Redressal or Nomination — and routed to the correct workflow.
Automated case creation with SLA timers routes the request to the appointed Grievance Officer or Data Protection Officer for action within the DPDP-mandated timeline.
The Consent Ledger is updated to reflect the new consent state — Modified, Renewed, Withdrawn or Expired — with a full version history preserved.
An immutable, timestamped ledger entry is created with Actor, Evidence and DPAR Request Reference — forming the audit trail for Data Protection Board inspection.
Every consent state change is versioned, enabling side-by-side comparison of consent history across the customer's full data lifecycle.
All downstream systems — Core Banking, CRM, Mobile App, Third-Party Partners, Analytics Platforms — are notified in real time to reflect the customer's latest consent status.
A complete, tamper-proof audit entry is logged with timestamp, actor identity, reason, policy reference and evidence — ready for regulatory inspection at any time.
Runtime Enforcement
Every request by a Core Banking System, CRM, Loan Origination System or Mobile Banking App to process personal data is intercepted by the Policy Decision Engine (PDE). The PDE validates the request against the Consent Ledger and Governance Policies before any data is accessed — enforcing consent at the data layer, not just at the UI.
Processing is permitted. Consent is valid, active and purpose-matched. The requesting system proceeds.
Processing is blocked. Consent is absent, withdrawn or the purpose does not match. Access is refused and the refusal is logged.
Existing consent has expired or been modified. A fresh consent must be obtained from the Data Principal before processing can resume.
Every decision — ALLOW, DENY or NEED_FRESH_CONSENT — is logged with a timestamp, reason, policy reference and actor identity, forming an evidence-grade audit trail.
Industry Use Cases
India's banking and lending ecosystem generates millions of consent events daily. Pixl is purpose-built to manage this volume — from account opening to loan disbursement, credit bureau queries and cross-border data flows.
Capture explicit consent for KYC data collection, Aadhaar-based verification, marketing communications and third-party credit bureau sharing at the point of account opening — across branch, mobile banking and internet banking channels. Every consent is version-controlled and immutably recorded.
Govern consent across the entire LOS lifecycle — credit assessment, CIBIL and Experian bureau pulls, income verification, GST data access, and post-disbursement sharing with insurance partners and collection agencies. Purpose-bound enforcement prevents misuse of borrower data.
NBFCs and digital lenders face heightened DPDP scrutiny on data sharing with Loan Service Providers (LSPs) and Third-Party Apps (TPAs). Pixl enforces purpose-bound consent for every data processor in the lending stack — from origination to recovery.
Manage consent for transaction analytics, spending pattern profiling, offer personalisation and overseas card data flows — with granular per-purpose withdrawal capabilities and a full DPAR audit trail per customer, per card product.
Capture and govern consent for health data collection, claims processing, underwriting analytics and co-branded marketing between bank and insurance arms. IRDAI-aligned purpose mapping with separate consent tracks per insurer.
Deliver consent notices to rural borrowers and Self-Help Group members in their local language — across all 22 Scheduled Indian Languages — through branch, field agent app and IVR channels, with offline-sync to the Consent Ledger.
DPO & Compliance Teams
A live operational environment for Data Protection Officers, Privacy, Risk and Compliance teams — eliminating manual spreadsheets and point-in-time audits.
Real-time consent state tracking — total consents, missing consents, working users, data breaches and grievances — all in one central compliance dashboard.
Automated DPAR workflow management — Access, Correction, Erasure, Grievance Redressal and Nomination — with SLA timers and DPO escalation paths.
Lifecycle Rules Engine triggers deletion, anonymisation and legal hold tasks on datasets when retention periods expire — with immutable execution logs.
Automated DPIA triggering on live data maps — new systems, AI/ML models, cross-border data flows and vendor onboarding — with risk scoring and SLA monitoring.
One-click DPBI-ready compliance packs in PDF and JSON with SHA-256 cryptographic hashes — audit-ready for Data Protection Board of India inspections and RBI reviews.
The Pixl Advantage
Move beyond compliance checklists. Build a privacy-first consent fabric that earns customer trust, satisfies regulators and powers responsible data use across your enterprise.
Pixl's Consent Ledger and APIs are designed to interoperate with registered Consent Managers under the DPDP Act — so Banks and NBFCs are ready as Consent Manager registration and reporting obligations come into force.
Unlike checkbox-compliance tools, Pixl's Policy Decision Engine enforces consent at the data layer — intercepting every processing request by CBS, LOS, CRM and Mobile Apps before data is accessed, not after.
Deliver consent notices and preference management in all 22 Scheduled Languages of India — meeting the multilingual notice mandate of the DPDP Rules for banks serving customers across India's linguistic diversity.
Headless APIs, Web/Mobile SDKs, Embeddable Widgets and Enterprise Connectors integrate with Core Banking Systems, Loan Origination Systems, underwriting engines and digital banking portals without workflow disruption.
Deploy Pixl fully on-premise inside your own data centre for RBI data localisation compliance, in a private cloud, or as a managed SaaS deployment — the same DPDP Act compliance is guaranteed across all three models.
Every consent event is cryptographically signed and stored as a tamper-proof ledger record. Ready for Data Protection Board of India (DPBI) inspections, RBI audits and court proceedings as legally admissible evidence.
Common questions about Privacy & Consent Management for Banks, NBFCs and BFSI enterprises.
A Privacy & Consent Management Platform enables organizations to collect, record, enforce and manage customer consent across all data processing touchpoints. It ensures that personal data is only processed when lawful consent has been given and that Data Principals can exercise their rights — access, correction, erasure and withdrawal — at any time.
Pixl provides Banks and NBFCs with a full consent lifecycle engine — from no-code consent form creation and multilingual notice publishing to real-time Policy Decision Engine enforcement and immutable Consent Ledger records. It covers all DPDP Act obligations including Data Principal Rights management (DPAR), DPIA workflows, RoPA, breach notification and regulatory reporting for the Data Protection Board of India.
The Policy Decision Engine is a real-time runtime enforcement layer. When any system — Core Banking, CRM, Loan Origination System, Mobile Banking App — requests to process personal data, the PDE validates the request against the Consent Ledger and Governance Policies, returning ALLOW (processing permitted), DENY (processing blocked) or NEED_FRESH_CONSENT (new consent required). Every decision is timestamped and logged as audit evidence.
Yes. Pixl provides headless APIs, Web/Mobile SDKs, Embeddable Widgets and Enterprise Connectors that integrate directly with Core Banking Systems (CBS), Loan Origination Systems (LOS), Loan Management Systems (LMS), CRM platforms, KYC engines and digital banking portals — without requiring changes to existing workflows.
The Immutable Consent Ledger is a cryptographically signed, tamper-proof record of every consent event — creation, modification, renewal, withdrawal and expiry. It serves as the single source of truth for audit inspections by the Data Protection Board of India (DPBI) and regulatory reviews by RBI, SEBI or IRDAI.
Pixl provides a self-service DPAR portal where customers can submit requests for Data Access, Correction, Erasure, Grievance Redressal and Nomination. Each request triggers an automated workflow with SLA timers, routes to the appointed Grievance Officer or DPO, updates the Consent Ledger and notifies all connected downstream systems — Core Banking, CRM, LOS — to reflect the latest consent status.
Yes. Pixl can be deployed fully on-premise inside your own data centre — satisfying RBI data localisation requirements and DPDP Act data residency obligations — or as a managed cloud/SaaS deployment. The same consent lifecycle, Policy Decision Engine and Immutable Ledger capabilities are available across all deployment models.
Ready to Get Started
Move beyond compliance checklists. Build a privacy-first consent fabric for Banks, NBFCs and BFSI enterprises — capturing lawful consent, enforcing it at runtime and governing every Data Principal right under India's DPDP Act & Rules 2025.