1 | eMACH.ai Digital Engagement Platform
eMACH.ai
Digital Engagement
Platform
Experience Omni Channel
Retail
Unified
SME
Commercial
eMACH.ai architecture
User
Experience
Bank
Credit Union
Ecosystem
eMACH.ai Digital Engagement Platform
eMACH.ai Digital Engagement Platform (DEP) is built to put banks and credit
unions back in control—with agility, intelligence, and scale at the centre. It
transforms Retail, SME & Commercial banking into truly personalized, digital-first
experiences that span every stage of the customer journey. Embedded with AI,
the platform speeds up acquisition, drives loyalty and elevates traditional digital
banking channels into growth engines.
With eMACH.ai DEP, banks and credit unions move beyond fragmented journeys.
Sales, marketing, and operations come together in one integrated suite. From
front-end experiences to back-office efficiency, everything works as one—so your
teams collaborate better, innovate faster, and unlock new opportunities in an Open
banking economy.
Powering digital success
The four pillars of engagement
User
Experience
Event-driven
MACH
architecture
Unified
platform
Connected
Ecosystem
Human-centred UX
design tailored to
diverse segments,
languages and
behaviors
Seamless unified
experience across
devices
Intuitive
engagement
across all channels
and journeys
Low-code,
event-driven
architecture with
reusable business
components and
embedded AI
Cloud native,
multi-tenant SaaS
platform
Test and delivery
automation
enables faster,
safer and more
reliable releases
Unified platform
for Retail, SME
& Commercial
customers
supporting the
full customer
lifecycle
Digital
accelerators
enable seamless
coexistence with
bank and credit
unions’ existing
systems
Foster Fintech
partnerships
with Open API
standards
Enabler for
Open Banking
& Embedded
Finance with
country-ready
marketplace
Freedom to
design ecosystem
value chains with
APIs
eMACH.ai Digital Engagement Platform 3
With eMACH.ai DEP, every interaction is designed around your customers’ unique needs. Our
persona-based approach adapts journeys to customer segments, demographics, generations,
and geographies—delivering a hyper-personalized experience.
eMACH.ai DEP is localized, supporting multiple languages and currencies so that every
interaction feels native, wherever your customers are. It is also fully inclusive, adhering to
Web Content Accessibility Guidelines (WCAG) standards with accessible design features like
optimized colour contrast, keyboard navigation, and alt text-ensuring no customer is left behind.
Deliver truly personalized digital
banking experiences at scale
Contextual experiences across any device, any channel, without coding
Adapt existing UI/UX or
choose from a variety of
available templates
01
Create responsive persona
based UI/UX yourself with a
Visual Flow Modeller
02
Fully customizable screen
templates and UI Patterns to
suit business needs
03
Key content and functionality within two clicks
eMACH.ai Digital Engagement Platform
Rapid go-to-market with unmatched
flexibility with eMACH.ai architecture
Event
•
Publish real-time events
•
Extensibility through configurable events
•
Data Streaming in real-time
•
Contextual/behavioural workflows
Micro services
•
Enables agility and faster time to market
•
Independently deployable and run time isolation
•
High performance and scalability
API First
•
Open API standards and API
extensibility
•
Enabler for Open Banking &
Embedded Finance
Headless
•
Integrate digital experience with any front-end channel or
UI/UX through APIs
•
Enable greater flexibility and customization in customer
interactions across diverse platforms
•
The back-end serves data and business logic via APIs
Embedded AI
•
Hypersonalization
•
Credit decisioning
•
Liveness check
•
Behavioural modelling
•
Chatbot
Cloud-Native
•
Ready for on-promise, private cloud, public cloud & hybrid
•
Cloud Agnostic-AWS, Azure, Google, IBM
•
SaaS offering
eMACH.ai Digital Engagement Platform 5
Unified platform
with comprehensive
front-end and back-
office experiences
01
Retail
Banking
02
SME & Commercial
Banking
03
Branch
& RM
04
Developers
05
Risk, Compliance
& Operations
06
Business &
Marketing
07
Agents &
Merchants
eMACH.ai Digital Engagement Platform
01
Retail Banking
Onboard customer seamlessly in
3 minutes, anytime & anywhere
Integrate readily available APIs for lifestyle
apps across eCommerce, utilities, telecom
etc. with your banking app
Design your own rewards structure
(VIP tiers, partnership rewards,
badges & challenges) with
Enterprise Loyalty Management
Event-based personal finance
management which empowers your
customers with category wise insights on
spending across savings and credit cards
Enable customers to reduce carbon
footprint on transactions by
donating to a social cause
Build brand resonance in the minds of
next generation of customers with
Family Banking
Instant and paperless KYC completion
through video and biometric modes
facilitated by real-time integration with
Company Registry and other
National Registries
Onboarding back office with
rule-based validation & dynamic
propensity modeling
Enable customers to self initiate
loan applications and receive credit
decision in minutes
Aggregate information from a wide
range of structured & unstructured
data for faster credit decisioning
Leverage AI-based behavioural
models for real-time
credit evaluation
Total Expenses
$6000
eMACH.ai Digital Engagement Platform 7
02
SME & Commercial
Banking
Self-service &
assisted onboarding
in minutes
• Omnichannel
onboarding
• Capture of customer
details through NFC/
OCR
• Inbuilt OCR library
• Customer dedupe
• Risk rating
computation, validation
& categorization
• KYC check & AML
validation
• Onboarding back office
Portfolio
view
• Multi-bank reporting
• 360° Portfolio view
• Design your own
report
• Omnichannel access
• Self services
• Comprehensive
management of all
loans and deposits
Payments
• Bulk payment
• Scheme agnostic
payments
• Track & trace payments
• FX handling
• Workflow including self
authorization
• Payment preprocessing
• Exception handling
• Advice, alerts & charges
• Transaction recall/FVT
• Cancellation
• Beneficiary management
Channel
administration
• Communication
• Reporting
• Workflow management
• User access
management
Common
services
• Alerts & notification
• Fees & charges
• Flexible & configurable
• Reference data setups
eMACH.ai Digital Engagement Platform
03
Branch & RM Experience
Zero waiting time with context
enabled appointment booking
360O relationship view with past interaction
summary, existing products, pending
requests, profitability & contextual offers
Transfer money, stop cheque, receive a new
debit / credit card instantly without paper
trail through multifactor authentication / OTP
Paperless cash deposit, Cross currency
transactions with special rates directly from
treasury
Simplified loan origination with minimal
clicks & guided interface
QR code based payment for utility bill,
taxes, salary collection & school fees
Banking on the move with a tablet
Role-based dashboards
Real-time currency & denomination wise
cash balancing
Teller wise, branch wise and
centralized cash position
Risk-free liquidity management
Online real-time data reconciliation
across accounts & branches
KYC check & AML validation
Fraud prevention, suspicious activity
alert, duplicate transaction alert &
transaction limit alert
Digitalized vault monitoring
& management
Wow
experience
Risk free, seamless
operations
Expert advise
Goal seeker suggests relevant cross-sell
based on customer’s goals and profile
Video-based investment advisory
eMACH.ai Digital Engagement Platform 9
04
Developers
05
Risk, Compliance & Operations
06
Business & Marketing
07
Agents & Merchants
Role-based
dashboards
•
Create 360 campaigns with pre-built ad templates
•
Campaign Manager delivers hyper-personalized advice, cross-sell offers, and suggested actions
to users, directly within customer apps
•
Acquire customers, track application status & service customers from one omnichannel portal
•
Get a complete view of the portfolio top customers with Customer 360
Real-time currency &
denomination wise cash
balancing
Automate processes like eKYC,
alerts & event-based triggers
View teller wise, branch wise &
centralized cash position
Log of open &
closed requests
Online real-time data reconciliation
across accounts & branches
Singular metadata model aids banks and credit unions
by speeding up transformation
You Decide
Fully built by Intellect
Co-build with Intellect
Build it yourself
Faster App creation
Drag & Drop UI Designer to help
developers create apps with omnichannel
user experiences. App Development
studio for API creation, management,
documentation & publishing
Enterprise integration
Connect multiple applications using
out-of-the-box integration tools
Process orchestration
Test complex business flows that span
across multiple disparate systems, with
ease and flexibility using an advanced
orchestration engine & a runtime
debugger
One platform for all APIs
Design, build, test, secure, manage &
retire APIs using one platform
10 eMACH.ai Digital Engagement Platform
Accelerate innovation with a
connected ecosystem
Marketplace-ready connectivity
By embedding seamless shopping, loyalty, and
commerce experiences within the banking app,
institutions can transform into a daily destination
rather than a transactional touchpoint
01
Embedded payments across
mobile money networks
Ready integrations with leading mobile
money providers, enabling real-time, frictionless
digital payments both within and beyond a bank
or credit union’s ecosystem
03
Core banking & fraud
management integration
eMACH.ai DEP seamlessly integrates with
leading Core banking systems such as Flexcube,
SAP, and Mambu. It also connects to enterprise
fraud management and AML systems like
Actimize, SAS Fraud Management, and ACI
Worldwide, ensuring secure, real-time transaction
monitoring and risk mitigation
05
API-Driven Open Banking
infrastructure
With a robust integration fabric - a library of
pre-built, API-driven connectors for onboarding,
credit risk, payments, and more - eMACH.ai
DEP ensures agility, compliance, and
readiness to adapt to evolving regulatory
and market requirements
02
Plug-and-play credit & onboarding
Seamlessly onboard customers through open
integrations with trusted credit bureaus and
data providers. Combined with eMACH.ai
DEP’s KYC and credit-risk connectors, banks
and credit unions achieve fast, compliant
onboarding and smarter decision-making
without operational complexity
04
Strategic fintech partnerships
Explore, select, and integrate fintech services
that enhance engagement, drive innovation, &
create new revenue streams
06
eMACH.ai Digital Engagement Platform 11
Preferred partner for leading banks
and credit unions across the globe
Trusted by 140+ credit unions
Transforming digital experience for our retail, SME and
corporate customers was critical for us in order to grow
quickly. We were looking for a platform which allows us to
reach new customers through a world-class experience.
We were impressed by iDEP’s capabilities and the team’s
long-term partnership-based approach.
With this, our goal is to provide a truly intuitive and
contextual digital banking experience to our customers.
We wanted to invest in a solution that is easy to deploy,
manage, and evolves with changing market dynamics.
Intellect Global Consumer Banking was the best choice,
given their deep domain expertise, understanding of our
market, and enthusiasm to be our long-term partner.
We are very excited to begin this journey.
Adnan Al Awadhi
Chief Executive Officer,
National Bank of
Umm Al Qaiwain
At Vancity, we have been searching for the right partner
to help us revolutionize our digital platforms and enable
us to deliver our impact-focused, values driven products
and services to our members through a modern,intuitive
and seamless digital experience. We feel we’ve found the
right partner in Intellect Design Arena, and a technology
partner that understands our needs and will enable us to
deliver on our commitment to meet and exceed our
member expectations.
Wendy Murphy
Chief Technology Officer,
Vancity
Abdelhamid
Aboumoussa
Governor, Faisal Islamic
Bank of Egypt
The Asian Banker said, “The winning institution implemented a new platform that enabled AI-based
customer onboarding within three minutes, as well as omnichannel experience with customized
offers. This improved the bank’s wallet share by 20%. Product holding per customer increased
by 80% while the cost of ownership dropped by 60%. The time to launch a new product was
reduced from four months to two weeks, and the service fulfilment steps for customers was
reduced by 50%, resulting in improved engagement. For these achievements, the award for Best
Omnichannel Technology Implementation goes to Co-operative Bank of Kenya and Intellect Global
Consumer Banking.
12 eMACH.ai Digital Engagement Platform
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www.igcb.com
marketing.gcb@intellectdesign.com
Functionality Standouts -
Small Business Digital
Banking Platform: North
America Mid-Sized to
Large Banks 2025
Functional Standout -
Retail Digital Banking
Platforms: Europe, Middle
East, Africa 2025
Best IBS
Intelligence SLT
2024, Ranked No. 2
Globally
Recognized in Gartner
Market Guide for
Digital Multichannel
Solutions 2024
Leap into the future of engagement with Intellect
57
Countries served
500+
Banks, credit unions, central banks and
other financial institutions globally
30
Years of experience
6000+
Employees from 20+ nationalities
Global offices
Toronto, Vancouver, Sydney, Melbourne,
New Jersey, New York, Santiago, London,
Madrid, Paris, Budapest, Johannesburg, Dubai,
Singapore, Tokyo, India, among others
The Asian Banker
Global Middle East &
Africa Awards 2024
Best Omnichannel Technology
Implementation for implementation
at Co-operative Bank of Kenya
Globally recognized
by analysts & industry influencers