FinLocker operates as a transactional personal financial assistant tool, primarily serving lenders and consumers in the financial services market. The platform aggregates and secures consumer financial data with their consent, providing a central repository for information. This data is then utilized to offer personalized insights and recommendations through automated data aggregation and artificial intelligence (AI). FinLocker enhances transparency and control for borrowers by allowing them to manage how their data is shared and accessed. The platform also facilitates communication between lenders and consumers, enabling lenders to offer customized promotions and notifications. FinLocker ensures high-level security with bank-level security measures, SOC 2 Type 2 certification, and defense in depth security controls. The business model revolves around providing a secure and efficient way for lenders to validate borrower data, streamline digital transactions, and make informed lending decisions. FinLocker generates revenue through partnerships with financial institutions and lenders who use the platform to enhance their service offerings and improve operational efficiency.

Keywords: financial data platform, lenders, personalized insights, digital transactions, data aggregation, AI, borrower control, security, transparency, financial services.