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.