Customer
Expectations
Challenges Faced
by Banks and Credit Unions
Personalisation: Deliver
customised solutions and insights
based on customer preferences,
behaviours, and goals.
Embedded Finance: Integrate
payment systems, budgeting
tools, and subscription
management into daily life.
Transparency: Communicate
fees, services, and policies
clearly to build trust.
Sustainability: Support
eco-friendly initiatives and
sustainable financial practices.
Innovation: Use AI, predictive
analytics, and automation to stay
ahead of customer needs.
Instant Access: Enable real-time
account updates, approvals, and
transfers for speed and
convenience.
Reliability & Security: Ensure
uninterrupted service, robust data
protection, and regulatory
compliance.
Omnichannel Experience: Offer
a consistent and unified journey
across mobile, web, and
branches.
1 | eMACH.ai Core Banking
■ Long timelines for
new product
launches
■ Customer churn
from lack of
targeted offerings
■ Low-energy
branches lacking
proactive selling
BUSINESS
■ Inflexible
workflows limit
business agility
■ No central risk
view leads to
inconsistent
reporting
■ High operational
costs due to
manual processes
OPERATIONS
■ Rigid systems and fast
tech obsolescence
■ Disparate product
engines and high
maintenance costs
■ Difficulty in integrating
third-party apps and
fintechs
■ High bandwidth and
heavy hardware
requirements
TECHNOLOGY
■ Go-lives delayed
by excessive
customisation
■ Siloed systems
create integration
hurdles
■ Data inaccuracies
from fragmented
extraction and
migration
IMPLEMENTATION
■ Gaps in fraud
detection,
cybersecurity, and
data privacy
■ Lack of training slows
adoption
■ Pressure from
ongoing regulatory
compliance
■ Slow issue resolution,
vendor lock-in risks
SUPPORT
Introducing
eMACH.ai Core Banking
eMACH.ai Core Banking | 2
In a rapidly evolving financial landscape, Intellect
Consumer Banking’s eMACH.ai Core Banking
platform offers a unified solution for Retail, SME,
and Commercial banks and Credit Unions. Its
comprehensive product suite offers a complete
spectrum of banking solutions, including Lending,
Channels, Treasury, Deposits, Cards, and GL,
amongst others.
Leveraging a cloud-native microservices
architecture, eMACH.ai Core Banking provides
scalability and flexibility to meet market demands.
Its Open Finance capabilities enable access to
country-ready marketplaces, while the headless
architecture ensures seamless integration with any
digital banking platform, including Intellect
Consumer Banking’s Digital Engagement Platform
(eMACH.ai DEP).
Additionally, embedded AI journeys enrich customer
interactions, making banking more intuitive and
responsive. With eMACH.ai Core Banking, banks
and credit unions are empowered to deliver
innovative solutions that meet the needs of today's
clients.
Open Finance
Platform
3 | eMACH.ai Core Banking
Cloud-Native, Composable, ‘My Signature Bank’
The Open Finance Platform empowers you to design your own unique digital banking solution. Built on a microservices-based,
cloud-native architecture, it offers a bouquet of business capabilities (PBCs), enabling you to selectively adopt what you need and
seamlessly integrate with third-party solutions.
This model is a strategic fit for banks and credit unions that prioritize flexibility and innovation and want to retain control over
component-level decisions, creating their unique “signature bank” experience.
Built entirely on
a cloud-native,
microservices +
API + events +
headless
architecture
Supports
headless
deployments-
you can bring
your own
front-end or
integrate custom
channels
Extensibility
via iTurmeric,
Intellect’s
low-code
platform enables
faster build
and seamless
third-party
integration
Easily
integrates with
your broader
ecosystem with
minimal effort
Designed for
progressive
transformation
enabling you to
innovate at your
own pace, launch
specialized
products, and
evolve
continuously
Can be deployed
on public cloud,
private cloud, or
hybrid
environments
Key Characteristics:
In a world of constant change, we bring one thing to the forefront: Transformation Certainty. Our commitment is clear- enabling delivery and
pricing certainty in an ever-evolving banking ecosystem.
With our eMACH.ai Core Banking Platform, you don’t just plan for transformation- you execute with confidence. Every
component, every integration, and every rollout is backed by proven frameworks, cloud-native reliability, and measurable delivery timelines.
You stay in control. You reduce risk. You accelerate time-to-market with certainty.
Transformation Certainty
eMACH.ai Core Banking | 4
Our Four Pillars for Banking Excellence
Our eMACH.ai Core Banking platform is built on four core pillars that drive success: enabling rapid business growth, achieving
operational efficiency, creating a future-ready technology foundation, and ensuring low-risk, compliant delivery. Together, these pillars
shape a platform that helps you stay ahead and deliver exceptional value to your customers.
1. Business Growth
■ Quicker go-to-market with
phased modernization
■ Launch new products fast
with parameterization
■ Customer-centric
experience through
segmentation and tailored
products
■ Full suite: deposits, loans,
teller, credit limits, and
collateral management
2. Operational Efficiency
■ One enterprise platform for
branch teller, sales, and
service
■ Real-time, cross-domain
transaction processing
■ 24/7 availability and faster
end-of-day processing
■ Rule-based
straight-through processing
with workflow orchestration
3. Future-Proof Technology &
Architecture
■ Composable microservices and
containerized core banking
■ Scales easily with business
growth and supports easy updates
■ Open APIs for smooth integration
with digital channels and external
systems
■ Low-code, no-code platform to
extend and launch faster
4. Risk, Regulatory & TCO
■ Low-risk implementation
with legacy and new core
system integration
■ Meets local regulatory
requirements
■ Proven delivery with
vendor ownership and
trusted approach
■ Reduced total cost of
ownership through
efficient implementation
Choosing the Right Fit:
The eMACH.ai Core Banking platform gives you the flexibility to drive digital transformation based on your business priorities, integration
needs, and time-to-market expectations. Within the Open Finance Platform, the Composable Model Bank offers a powerful, accelerated path
to transformation designed for banks and credit unions that want to go live faster without compromising on technology depth.
Composable Model Bank is a pre-configured, ready-to-deploy delivery model built on the same cloud-native, microservices architecture of
the Open Finance Platform allowing you to transform at speed with pricing and delivery certainty.
Ideal for banks and credit unions prioritising rapid go-to-market, Composable Model Bank reduces implementation complexity, shortens
timelines, and lowers cost of ownership- while still giving you access to the full flexibility and scalability of the Open Finance foundation.
The Composable Model Bank offers speed, simplicity, and pre-built configurations. It enables you to evolve with
confidence- quickly, securely, and on your own terms.
How?
Feature/Aspect
Open Finance Platform
Composable Model Bank
Architecture
Microservices-based, cloud-native & Headless
Microservices-based, cloud-native & Headless
Flexibility
High – choose and integrate freely
Moderate – configure over prebuilt stack
Customization
Full – design and launch new products
Limited to extensions/ configurations
Integration
Extensive – enables full ecosystem integration
Minimal required – most is prebuilt
TCO
Lower TCO compared to traditional platforms
Nearly 25% lower implementation effort/cost
Deployment Options
Cloud-native (public/private), hybrid
On-Premise, On-Cloud, As-a-Service
Readiness
Fully composable, bank-defined with 5 countries in
implementation stage and 405 User Journeys (UJs)
Pre-integrated & country-configured with 45 country
configurations and 460 User Journeys (UJs)
Comprehensive Offering for
Retail, SME & Commercial Banks
5 | eMACH.ai Core Banking
Range of Services: Intellect Design Arena’s eMACH.ai Core Banking offers an unparalleled range of services, presenting an end-to-end
banking suite that caters to every aspect of retail and corporate banking. This comprehensive suite includes:
Core Operations: Comprehensive and advanced
features in Accounting, Deposits, Lending, Treasury,
Trade Finance, and Digital Engagement. Compose your
own ‘My Signature Bank’ with eMACH.ai for unmatched
scalability. Design configurable Current/Savings
Accounts and Deposits (Fixed, Variable, Index Linked,
Structured, SIPs). Enable template-based customer
onboarding, real-time ledger management, contextual
transaction routing, relationship-based pricing, and
secure payments and remittances. Accelerate business
growth with a composable architecture, API-driven
orchestration, and AI-powered automation. Enhance
customer experience with seamless digital integration
and personalized engagement. Reduce risk with a
real-time N-Tier General Ledger, compliance-ready
platform, and on-site implementation support.
Treasury: eMACH.ai Treasury is a
fully automated, real-time,
multi-asset Front-to-Back treasury
system designed for high-performing
banks. Built on a composable
architecture, it seamlessly scales to
handle USD3.8 trillion in FX
transactions and USD10.7 trillion in
daily cashflows. Real-time insights
capture market and trade dynamics
for informed decision-making with a
full view of positions, risk, and cash
flows. With 95%+ STP and 150+
out-of-the-box APIs, it empowers
banks to drive agility, resilience, and
performance at scale
Lending: eMACH.ai Lending is an
end-to-end Credit Lifecycle Management
platform for comprehensive digital credit
transformation. Built to serve diverse
business segments, including Retail,
Corporate, SME, and Agri, the platform
substantially cuts loan processing times
and defaults, allowing institutions to
grow origination volume by 3X. It
provides the tools for banks and financial
institutions to manage their credit
processes, giving them a 360-degree
view of customer credit portfolio and can
aid up to 25% enhancement in
receivable collections.
Cards: eMACH.ai Cards empowers banks
to unlock a connected card ecosystem-
serving every card and payment need from
a single, secure platform. Built on a
real-time, event-driven architecture, it
enables hyper-personalized card
experiences, seamless onboarding in under
120 seconds, and complete digitization of
the card lifecycle. With rapid deployment in
just 50 days, robust fraud protection, and
customizable modules like Corporate Cards,
Loyalty, and Collections, eMACH.ai Cards
helps banks accelerate growth, enhance
customer retention, and future-proof their
card business.
Payments: A contextual, real-time,
API-enabled platform that simplifies
payment initiation, orchestration,
execution, and management. It
interconnects domestic clearing
systems, supports ACH, EFT, and
Wires and instantly upgrades payment
infrastructure. Integrated digital
payment apps and in-built APIs
streamline transitions to electronic
channels. It enables multi-currency
cross-border payments with OFAC
checks, while also offering secure
e-wallets and versatile prepaid card
solutions.
Trade Finance: A cloud-ready,
composable platform for paperless trade
that enhances real-time processing and
reduces manual intervention. It covers the
entire lifecycle of trade products including
Letters of Credit, Bills, Collections,
Guarantees, Trade Loans,
Reimbursements, Supply Chain
Financing, and Factoring/Forfeiting with
multiple recourse options. The platform
supports intelligent workflows, document
management, and imaging. Designed to
enable ESG-friendly and scalable trade
digitisation while offering complete
lifecycle visibility and superior
end-customer service productivity.
Digital Engagement Platform:
eMACH.ai DEP is the unified Digital
Engagement Platform revolutionizing
how Retail, SME, and Commercial
Banks and Credit Unions connect with
their customers and members. Built with
750+ Composable User Journeys, the
platform delivers seamless, contextual
experiences across the entire customer
lifecycle- from acquisition and
engagement to retention. With an
extensible architecture, reusable
Business Rules, Workflows, APIs and
AI-enabled user journeys, eMACH.ai
DEP enables personalised,
omnichannel interactions through
self-service and assisted channels,
driving deeper relationships, agility, and
sustainable growth. The platform comes
equipped with an Open Finance
enabled marketplace, enabling financial
institutions to integrate with Fintechs,
ecommerce and more.
IBS Annual Sales
Ranked #
eMACH.ai Core Banking | 6
North America
Capital Cube (eMACH.ai Treasury)
recognized as a
Capital Cube (eMACH.ai Treasury)
Capital Cube (eMACH.ai Treasury)
Rolando R Avante,
Mr. Htun Htun Oo,
Peter Csanyi,
Al-Amin Sadruddin Merchant,
Jon Howe,
Taner Ayhan,
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