Reimagine Your Cards
Canvas with a Comprehensive
and Fully Digital Card Solution
Cards
High Impact Credit
Solutions built on
Composable
Technologies
New customer
segments
Innovative
credit products
Inefficiencies in
the credit lifecycle
TARGET
LAUNCH
ELIMINATE
Integrated credit
experiences
CURATE
eMACH.ai Cards is a comprehensive, fully digital payment card
application that addresses all credit card, debit card, prepaid card
and retail card business needs. The solution covers end-to-end of
the card lifecycle including issuing, servicing, fraud monitoring,
loyalty management and delinquency management.
An end-to-end Card Solution, with the power and
flexibility to reimagine or build your Cards canvas in no
time, eMACH.ai Cards is implemented across
3 continents and supports a cards in force volume of
more than 100 million.
Innovative - Responsible - Marketplace
based cards solution
eMACH.ai Cards
eMACH.ai Cards
eMACH.ai Cards | 1
www.igcb.com
www.igcb.com
Architecture – Foundation
Enabling Composable, Scalable &
Resilient Card Solutions
eMACH.ai Cards | 2
www.igcb.com
ELION DAVIS
07/222
VALID
THRU
5542 3587 6973 4587
7 7
4587 3587 5542 6973
4587 3587 5542 6973
ROBERT JOHN
12/24
VALID
THRU
eMACH.ai Cards
eMACH.ai Cards
Event
Driven
Architecture
Architectural
Contextualization
through Event
Triggers and Event
Queues
Microservices
Architectural
Composability
through
Componentization
of Functionality
to Independently
Manageable
Microservices
Open API
Framework
Architectural
Extensibility
through Open
APIs and
Democratization
through API
Exchange Portal
Cloud-Native &
Cloud-Agnostic
Cloud-Native
Architecture
combined with
Proven
Implementation
Experience with
Multiple Cloud
Partners
Headless
Capability
Composable set of
Business
Components at the
heart of Banks’ IT
systems with highly
Curated Integrations
to Front-End and
Third Party Systems
Embedded
Artificial
Intelligence
Use of Artificial
Intelligence through
Machine Learning
and Intelligent
Document Extraction
in select User
Journeys to Power
Customer
Experience, Efficiency
and Usability
ai
Architectural Benefits
Architectural
Principles
Unleash the art of possible with
eMACH.ai Cards Solutions' DIY Tech.
Challenge, Innovate & Grow in no time!
Intellect Cards: Key Differentiators
All of the above,
and more features
come with
Continuous
Innovation to help
our customers
become market
leaders!
A Made in India
SaaS Masterpiece
Crafted by bankers as a
comprehensive, one-stop
solution for banks
and NBFCs
Unlock New
Possibilities
Offer a world of services,
features and beyond with each
card you issue - Powered by a
Card with an inbuilt Marketplace
Proven Data Migration
Expertise
Expertise in migrating
large volumes of card data to
eMACH.ai without disrupting
business
Robust Card
Platform
Comprehensive tools for
end-to-end card management,
from origination to collection
Customer Digital Channels –
Bundled mobile app, and
customer self-service web
portal for seamless customer
interaction
Cards iKontrol
(Back-Office Management)
Centralized web-based back-
office platform for Product
Managers, Operations, Customer
Services, and Branch Services
available out-of-the-box
Flexible Product
Configuration
Create and customize credit,
debit, and prepaid card
products with flexible features,
limits, and rewards
Customizable
Reporting Suite
SIGMA reporting suite to design
and configure business reports
in the desired format
Seamless Integration
Powered by eMACH.ai,
enabling smooth integration
with core banking systems and
other internal/external systems
Scalable Innovation
‘Try-Test-Grow’ with minimal
capex commercial model to
enable ‘pay as you go’
New-Age Architecture – Built on
eMACH.ai architecture,
optimized for volume
and performance
Real-Time Fraud
Assessment
Set parameters to identify
potential frauds in real-time at
the time of transaction with 99
custom risk ranks, which can be
tagged across High, Medium,
and Low Risk categories
eMACH.ai Cards | 3
www.igcb.com
MACH - enabled architecture that supports innovating at
speed, unlocking true customer delight.
270+ composable Packaged Business Capabilities (PBCs)
for conceiving credit solutions on the fly supported by our
proprietary Customisable enablement Kits (CEKs - SDK++)
Low code application development digital platform for
customized development
Disrupt and challenge
the status quo
Launch hyper-personalized card solutions
with more than 25 parameters enabled
by a DIY GUI interface
eMACH.ai Cards
eMACH.ai Cards
eMACH.ai Cards | 4
www.igcb.com
ROBERT JOHN
ROBERT JOHN
Offer a world of services, features and
beyond, with each card you issue -
Powered by an inbuilt Marketplace.
with an in-built marketplace
Unique composition platform-iTurmeric brings all
elements of digital – orchestration, integration, APIs,
and user experience together
Pre-integrated with best-in-class fintech partners to
offer differentiated solutions.
Enable rapid connections with your ecosystem
partners to drive growth
eMACH.ai Cards
eMACH.ai Cards
eMACH.ai Cards | 5
www.igcb.com
ROBERT JOHN
ROBERT JOHN
Drive ecosystem-enabled value creation
One-stop-solution for managing all
your customer engagement and
retention needs with Intellect’s
composable Loyalty/Rewards Platform
www.igcb.com
Powerful & Configurable
Loyalty Platform
Define Rewards Schemes with 3 levels of segmentation
(Domestic/International, Transaction Channel, Event-based triggers like
E-statement sign-up, yearly spends, and milestone triggers)
The platform also enables campaigns around Spends, Revenue
Drivers, and Customer Engagement/Retention
Accruals:
Transaction-based points, event-based points (for
example, App Download, Referral), accelerated
reward accruals, campaign rewards
(e.g., 2X, 10X), and milestone points
Points Capping:
Category Capping (limits on MCC/MID) and
Period Capping (cycle or yearly limits)
Redemptions:
Pay + Points, Catalogue Redemption (buy
points for gifting), Cash-back, and
Co-brand point conversion
Points Expiry:
Fixed period schemes (special events) with
Points Reinstatement at profile or scheme level
eMACH.ai Cards | 6
www.igcb.com
www.igcb.com
Real-time Protection
Check transactions in real-time against bank
defined fraud rules
Real-time decision engine for transaction
approval/decline
Risk Groups: All transaction rules can be grouped
under - High, Medium, Low risks
Risk Ranks: Further to Risk Grouping, each rule
can be assigned priorities ranging between 1 to 99
Grouping and ranking based on suspicion/exposure
intensity for focused attention on high-priority
cases, brings deep control over real-time
monitoring, and fraud decisioning of transactions
FEWS –
A Comprehensive Risk Engine
A rule-based risk engine for card issuers to Prevent
Fraud, Manage Cases, and Control Rules in real-time
Improved Accuracy -
Reduced Fraud Losses
Detect fraudulent transactions more
effectively, minimizing financial loss for
issuers
Prevent legitimate transactions from being
declined, improving customer experience
Enhance efficiency and reduce
operational costs with rules automation
Ensure compliance with fraud detection
regulations
eMACH.ai Cards | 7
www.igcb.com
www.igcb.com
Rule Builder
User friendly rule-builder GUI interface
Pre-configured and customizable
fraud mitigation rules
Dynamic AUTH management to
complement fraud detection
Dashboard
Real-time monitoring to identify and
respond to fraudulent activity
Customizable alerts for suspicious
transaction patterns
Insights to improve fraud detection and
prevention decisions
Case Management
Intelligent case ranking based on
priority for timely action
Delegated case assignment for
efficient handling
Monitor transactions across ATMs,
POS & internet
Sequential and random review
processes for different rules
eMACH.ai Cards | 8
www.igcb.com
www.igcb.com
Mobile App Features
Campaign Management
Run targeted campaigns with personalized offers
rendered on the mobile apps
Comprehensive Dashboard
View usage, outstanding balances, and transaction
history at a glance
Cards Control
Manage your transaction limits by transaction channels,
and geography for enhanced control at your fingertips
Easy EMI
Split transactions with flexible tenure and pricing
options, replete with 1-click EMI booking capability
Easy Card Upgrades
Apply for upgrades without changing your card number
Tailored Products
50+ customization levers to create products suited
to customer needs
Intelligent Tracking
Track card applications and deliveries in real-time
Enhanced Security
Proactive prompts from the risk engine to ensure
user safety and actiont
Cutting edge and secure Cards mobile-application
globally awarded/recognized for customer convenience
eMACH.ai Cards | 9
www.igcb.com
eMACH.ai Cards
eMACH.ai Cards
ROBERT JOHN
ROBERT JOHN
With instant credit decisioning powered by
Intellect’s private, public and Partner APIs and
a robust Business Rule Engine
Enable customers to apply for the card from the comfort of
their homes through partner digital channels
Estimate customer’s income leveraging AI/ML-based models,
ensuring swift pre-approvals and reduced NPA risks.
Instant and paperless KYC completion through Video and
Biometric modes facilitated by real time integration with
National Unique Identification System
Onboard customers seamlessly
in less than 2 minutes!
eMACH.ai Cards | 10
www.igcb.com
eMACH.ai Cards
ELION DAVIS
ELION DAVIS
intellect native
ELION DAVIS
HI ELION
132 My Street, Kingston,
New York 12401.
‘Try-Test-Grow’ with Zero capex commercial model to
enable ‘pay as you go’
Leverage our industry experts for custom-made payment
Launch your cards business in
50 days at Zero CAPEX Commitment
eMACH.ai Cards | 12
www.igcb.com
Flexible &
Configurable
Highly flexible and Configurable
system addressing the needs
of Bank Cards and Retail
Cards business
Compliant
Intellect Cards supports all
compliances mandated by
EMV Co and various payment
schemes such as VSDC1.4.1
for VISA and MChip 4
series for MasterCard.
PCI-DSS and PCI-S3 V1.2
Certified Application
Technologically
Advanced
Progressive Web application
built using Angular Frameworks
integrated with REST based
APIs which delivers high
performance with scalability
and agility along with rich
user experience
Scalable &
Highly Scalable and a Cost
efficient system and benchmarked
for supporting 10 Million cards,
12 million transactions and
1000+ concurrent users
Configurable
Supports Multiple
Organizations, Multiple
Currencies & Multi-Tenancy
Modular
Built on a Modular Architecture which
brings with it the convenience to choose
‘mix and match’ of modules relevant
to the client’s business rather than
investing on the whole product
3 Decades of Expertise
in Card Solutions
eMACH.ai Cards | 13
www.igcb.com
Unified Cards Solution
One-Stop Shop for all Cards solution, designed by
keeping the needs of its customers – the banks, and
cardholders, at the center.
Product Catalogue
Experience Channels
eMACH.ai Cards | 14
www.igcb.com
ROBERT JOHN
ROBERT JOHN
ROBERT JOHN
eMACH.ai Cards
eMACH.ai Cards
eMACH.ai Cards
ROBERT JOHN
eMACH.ai Cards
ROBERT JOHN
eMACH.ai Cards
Mobile App
Customer Portal
Corp Portal
Cards iKontrol
eMACH.ai Corporate Cards – Designed for SMEs,
as well as large enterprises with complex organizations
structures; offering:
eMACH.ai
Corporate Cards Highlights
eMACH.ai Cards
ROBERT JOHN
Seamless Setup & Flexibility
Easy setup with flexible
customization options for
various corporate needs
Tailored Experiences
Separate Retail and Corporate
Cards for optimized financial
reporting and user experiences
Unified Platform
A single platform for both
card types, with fungible
credit limits for easy
expansion
Simplified Expense
Management
Streamlined expense
approval process, saving
time and improving
efficiency
Powerful Portal
Manage payments at
corporate and
department levels,
reducing issuer workload
Card Types Supported
Personalized and
non-personalized cards,
including commercial,
corporate, SME, T&E, and
charge cards
eMACH.ai Cards | 15
www.igcb.com
Intellect Debit Card platform enables banks to manage
their end-to-end debit card solution needs in one place
Debit Cards Highlights
The platform has the ability to connect directly to scheme endpoints, or to local
switch provider for faster go-to-market.
Debit Card Management with eMACH.ai
eMACH.ai Cards
ROBERT JOHN
Global Network
Support
Issue cards
under VISA,
MasterCard, and
other networks
Go Green
Self-service
Green PIN for
paperless PIN
selection
Personalized &
Non-Personalized
Cards
APIs for issuance,
reporting, and
reissues
Virtual Cards
Instant cards
for secure
e-commerce
use
Enhanced
Control
Usage toggles,
account linking,
and channel
management
(POS, ATM,
e-commerce)
with spend limits
Full Compliance
PCI DSS, PCI-S3
V1.2 compliant,
and integrated
with core banking
and ISO
messaging
protocol
conformance
Multi-Currency
Support for
GBP, USD,
EUR, AUD,
and more
eMACH.ai Cards | 16
www.igcb.com
Continuous innovation to help our
Customers become market leaders.
eMACH.ai Cards
ROBERT JOHN
Intellect Prepaid Cards
Key Features
Closed Loop:
Supports both scheme-issued
and closed-loop cards
Multiple Reloads:
Single and multiple
reload options
Secure:
Restrictions based on
country, currency, MCC, etc.
Multiple Options:
Available as gift
cards, travel cards,
and more
Revenue:
Multiple
out-of-the-box fees
and charges
Multi-Currency:
Single card with multiple
currency wallets
Time to Market:
Configurable setup
for faster product
launch
eMACH.ai Cards | 17
www.igcb.com
Multi-Currency Travel Card
Key Features
eMACH.ai Cards
ROBERT JOHN
Security:
Set wallet limits
and select
channels
API Suite:
Seamless
integration with
web and mobile
Backup Card:
Convenience if
the card is lost
or damaged
Multi-Scheme:
Supports
Visa/MasterCard
Fungible Wallet:
Fund wallets if
there’s insufficient
balance
Multi-Currency:
Up to 15
currencies on
one card
Fee & Charges:
Customizable fees
for different
segments
eMACH.ai Cards | 18
www.igcb.com
7 Levels of Segmentation
with Transaction Level Pricing
PRODUCT
Card type or logo (e.g.,
VISA Platinum Card)
TENURE
Period of repayment
for the transaction
CUSTOMER
SUB-SEGMENT
Subclassification
within the same logo
(e.g., Corporate Salaried)
TRANSACTION CODE
Specific transaction types,
such as Purchase, Cash,
or Installment loan
CUSTOMER SEGMENT
Classification of customers
under the logo (e.g.,
Professionals)
TRANSACTION AMOUNT
The loan amount for
transactions
PROMO PERIOD
Promotional offer validity
period (e.g., Christmas
Sale: 1st Dec to 31st Dec)
eMACH.ai Cards | 19
www.igcb.com
Reimagine the
Credit Canvas with
eMACH.ai Cards 4C Edge
Over
10 million
plus card volumes
12 million
transactions
per month
1000+
concurrent users.
Benchmarked at
IBM labs to handle
Control
Comprehensive
approach
Collaboration
Conscious
www.igcb.com
eMACH.ai Cards | 20
www.igcb.com