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)