# Fintech: Building Systemic Trust in Account Aggregation
Account Aggregation (AA) is the backbone of modern open banking. This course covers the technical and psychological layers required to build trust-driven financial ecosystems.
## 1. The Consent-First Architecture
Designing systems where data flows only after explicit, granular, and revocable user consent. We explore the FIP (Financial Information Provider) and FIU (Financial Information User) roles.
## 2. Security: Zero-Knowledge & Encryption
Implementing end-to-end encryption for sensitive financial data. We discuss how to maintain systemic transparency without compromising individual privacy.
## 3. Data Harmonization
Techniques for normalizing heterogeneous bank statements and transaction data into a unified, actionable ledger.
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