eMACH.ai

Consumer Originations

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Explore
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Embedded Finance

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Challenges

Modern Lenders Aspire to Deliver Excellence

While maintaining operational excellence and driving sustainable growth

Frictionless Experience

Seamless Lending Journeys
Design intuitive experiences from application to disbursement.

Scale Efficiently

Portfolio Growth
Expand into new segments while maintaining asset quality.

Collaborative Ecosystems

Partner Network
Build partnerships with fintechs, merchants, and service providers.

Automate & Optimize

Operational Excellence
Reduce costs through intelligent workflows and automation.

Regulatory Adherence

Compliance & Security
Built-in compliance frameworks and complete audit trails.

Risk Management

Precision Analytics
Assess risk accurately, price optimally, minimize defaults.

Overview

Fully Integrated AI-first Consumer Lending Suite

A unified platform for personal, auto, home, SME loans, and credit cards built to simplify originations, strengthen underwriting, and automate servicing at scale.

+40%

Ominichannel Origination

80%

AI Driven Underwriting

95%

Instant Disbursement

95%

End to End Servicing

Key Differentiators

Unlock Consumer Lending Portfolio Growth with eMACH.ai

AI-first modern lending platform transforming each step of your credit lifecycle with robust configurability and automation.

Frictionless Origination

  1. Facial recognition, ID match using AI
  2. Liveness check, anomaly detection
  3. API-enabled embedded originations
  4. Zero-touch documentation

Powerful & Extensible

  1. Extensible process workflows
  2. Collateral and limit management
  3. User-defined fees, charges, repayment allocations
  4. Custom NPA classifications

AI-First Technology

  1. AI credit decisioning and underwriting
  2. AI operation controls
  3. Cloud-native, microservices architecture
  4. Event-based scalability

Complete Integration

  1. Extensible customer credit appraisal engines
  2. Seamless credit bureau integration
  3. KYC, AML, 3rd party ecosystem
  4. Fintech partnerships via APIs

Real-Time Risk Tracking

  1. Centralized risk tracking across credit lines
  2. Multi-dimensional exposure views
  3. Real-time margin tracking
  4. Proactive risk management

Optimize Recoveries

  1. Real-time loan performance analysis
  2. Intuitive collection score segmentation
  3. Customer-centric debt collection
  4. Streamlined policies
Capabilities

Capabilities That Transform Performance

Every RM gets their own AI team, working 24/7 to amplify expertise and maximize impact.

Product Configurator

Extensible product configurator for 100s of diverse loan products

AI Underwriting

Machine learning models for credit scoring and fraud detection

Portfolio Analytics

Real-time dashboards with portfolio health monitoring

Open APIs

Well-defined fine-grained APIs for seamless integration

Compliance

Built-in regulatory compliance with audit trails

Risk Management

Comprehensive risk framework with early warning systems
Key Differentiators

Why Leaders Choose RM Office

Measurable impact, proven results, trusted by the world’s leading wealth managers.

Advisor-First Experience

Built for RMs, not around them

  • 80% prep time reduction

Explainable AI

Every suggestion comes with its reason.
  • 100% transparency

Composable Design

Integrates effortlessly with existing CRM and core systems.
  • API-first architecture

Measurable Impact

+40 % client coverage | 80 % faster reviews | 95 % STP.

Humanised Technology

Warm-tech interfaces that make AI feel trusted, not technical.
  • 95% adoption

Embedded Intelligence Driving Smart Banking

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Customer Success Stories

Delivering Tangible Impact Across Global Banks​

Bank A

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Bank B

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Bank C

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See All Case Studies
Awards and Recognition

Recognized Excellence

Banking Tech 2025

Excellence in Digital Advisory

...

Award

|

Wealth Management-RM Office

IBSi 2024

Innovation in Relationship Management

...

Award

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Wealth Management-RM Office

WealthBriefing MENA 2025

Best AI Solution for Advisory Empowerment

...

Award

|

Wealth Management-RM Office
See All Awards & Recognitions
Insights

Stay Informed with the Latest Insights

Insights contextual to only this solution/product from the Insights repository

Beyond Algorithms to Human Connections

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Blog

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Wealth Management-RM Office

Reimagining Wealth Management

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White Paper

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Wealth Management-RM Office

Regional Digital Transformation for South East Asia’s 5th largest bank

Regional Digital Transformation for South East Asia’s 5th largest bank

...

Case study

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Wealth Management-RM Office
See All Insights

FAQs Frequently Asked Questions

Our solution embraces co-existence and composability, allowing banks to modernize progressively without massive rip-and-replace initiatives. The microservices architecture enables unbundling of core functions for flexibility.
Built for 30M+ transactions per day with auto-scaling capabilities, event-driven architecture, and high-performance data stores designed for data-hungry experiences.
360-degree empowerment across all stakeholders – Product Managers, Business Users, IT, and Ops can extend products, workflows, events, and rules without heavy IT intervention.
With our flexible product designer and modular architecture, banks can launch new products in days rather than months, dramatically reducing time-to-market.
Yes, we offer a comprehensive regulatory framework covering Customer, Transactions, Tax, Accounting, and Reporting with flexible and extensible capabilities.