Reimagine Lending &
Empower your Customers
with Smarter, Faster
Credit Decisions
eMACH.ai Lending is an AI-powered end-to-end digital lending solution by
Intellect Consumer Banking, built to serve end-to-end credit needs of your
personal and business banking customers.
Achieve
Faster Credit
Disbursements &
Operation Excellence
with eMACH.ai
Lending
Loan Servicing
Handling loan post disbursement with
end-to-end servicing, supporting amendments,
and early loan closures.
Collections
Automate & maximise
collections with bespoke
customer centric collection
strategies for each segment,
employing operational
excellence and real-time
portfolio monitoring.
Loan Origination
Smarter & Faster Origination
powered by AI - automating &
streamlining loan application
processing and credit decision
making through a workflow-based
intuitive and contextual system.
Digital-First Journeys With AI & Automation
Integration Readiness
Realising the need for interoperability and minimising rigidity between
varied systems, eMACH.ai Lending is built with API-first architecture
that enables institutions to connect with internal and external
ecosystems, enhancing ability to deliver tailored customer experiences.
Its DIY API integration & Orchestration studio facilitates seamless
integration with dialer, core banking & CRM systems. Institutions can
now accelerate their business growth by collaborating with various
business partners by leveraging embedded APIs to bring in customers
from across various market segments.
Built for Canadian Financial Institutions
eMACH.ai Lending platform is designed to cater to the needs of
Canadian Banks and Credit Unions, offering a suite of features that
align seamlessly with the market’s regulatory and compliance standards
namely OSFI, PIPEDA, PCMLTFA, FINTRAC & Fair Lending practices.
With built in AI-driven capabilities for real-time compliance checks on
policies, collateral, and risk parameters, the platform ensures
adherence to regulatory guidelines without extensive manual reviews.
Faster Go To Market
Launch products swiftly with 50+ Ready-to-use Product Templates. The platform enables
institutions to compose new & differentiated products faster with flexible product configurators.
Automate End-To-End Loan Lifecycle: Streamline your lending workflow from
application to repayment, minimizing manual intervention, improving process efficiency
and enhancing customer experience with swift and straightforward journeys.
Embedded AI: The AI agents (Digital Experts) helps the stakeholders across the
loan lifecycle in efficient loan processing and effective monitoring:
■ Loan Origination & RM Digital Expert: Streamlines origination, empowering
relationship managers with up to 60% reduction in manual data entry.
■ Loan Underwriting Digital Expert: Conversation based underwriting assistant
provides insights and recommendation for faster and accurate decisioning.
■ Loan Customer Service Digital Expert: Delivers superior customer experiences
with a 70% faster query resolution, easing call center burden and branch footfall.
■ Loan Operations Digital Expert: Ensures proactive delinquency control and
Assured GL – Lending reconciliation, resulting in lower operational costs.
■ Loan Collections Digital Expert: Boosts collection efficiency and delivers a
better customer experience.
Cloud-Based Lending Solutions: Leverage cloud technology for scalable, secure, and
cost-effective lending operations, enhancing accessibility and agility.
Scalable | Modular | Composable
A Future
ready,
Cloud-Native
solution
Cloud-
Agnostic &
Ready for
On-Premises,
Private
Cloud, Public
Cloud and
Hybrid
Externalize all
functionalities to
enable full
fledged
headless
systems
Proven
Experience in
Headless
Implementations
200+
standard
events
Embedded AI to
improve
efficiency,
customer
service and risk
mitigation
AI Capabilities
throughout the
loan lifecycle
Extensibility
through
Configurable
Events
Data
Streaming in
real-time
Contextual/
Behavioral
workflows
1200+
Open API
standards
and API
extensibility
Delineate
IT systems
by
Operational
spheres
APIs
285+
ready-to-use
microservices
on cloud
Highly scalable
Proven for
10,000 TPS
Independently
Deployable
Progressive
Modernization
Event Driven
Architecture
Microservices
Open API
Framework
Cloud-Native
Headless
Embedded AI
Recognized By Global Analysts & Industry Influencers
Chartis RiskTech Credit
Lending Operations
Solutions 2025 identified
as "LEADER"
Ranked #1 for RETAIL
LENDING @ IBS Sales
League Table 2024
Identified as a Next-Gen
Loan Origination
System/Platform
Future Proof Lending With eMACH.ai
Future Proof Lending With eMACH.ai
IBS Global Sales
League Table 2024
57
Countries
Served
325+
Banking and
cooperative
clients globally
30+
Years of
Experience
Employees
From 20+
Nationalities
6000+
Global Presence
Local Expertise
With Canada offices
in Toronto &
Vancouver
Partners of Intellect
© 2025, Intellect Design Arena Limited.
All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced,
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