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eMACH.ai
Consumer Core Banking
From Product-Centric to Customer-First and Operations-First Paradigm
Case study
Omnichannel customer experience delivered
The bank launched 12 new savings and loan products in under 3 months with the flexible product designer — cutting time-to-market by 60%.
AFC Commercial Bank
26+
Domain Packs
2,015+
APIs
675+
User Stories
535
Events
Built for Real-World Banking at Enterprise Scale
30M+ Transactions per Day
Sustain peak-volume processing with real-time posting and zero downtime—ensuring uninterrupted customer experiences even during high-demand periods.
450+ Integration Touchpoints
Connect effortlessly with fintech partners, payment networks, regulators, and enterprise systems to accelerate time-to-market and reduce integration complexity.
360° Empowerment Across the Bank
Enable customers with instant, contextual experiences, operations with straight-through processing, and IT teams with configuration-led change—driving efficiency and lowering total cost of ownership.
26+ Pre-Built Domain Packs
Deploy deep retail banking capabilities—from deposits and lending to payments and servicing—using modular domain packs that reduce implementation risk and support incremental transformation.
Empower banking operations with the agility, scale, and innovation needed to thrive in open finance ecosystems.
Intellect Consumer Core Banking is a next-generation, cloud-native platform that empowers banks to transition from product-centric systems to truly customer-first and operations-first environments.
Built on a composable, microservices-based architecture, the platform enables rapid product launches, seamless integration across channels, and real-time operational execution.
Its flexible product designer allows banks to configure new products without coding, significantly accelerating time-to-market while maintaining rigorous compliance and risk control.
With deep functional breadth spanning deposits, savings, lending, payments, and more, Consumer Core Banking provides a unified foundation for delivering consistent, contextual experiences across the banking lifecycle.
6-TIME GARTNER MAGIC QUADRANT LEADER
A testament to consistent leadership in vision, execution, and innovation.
Consumer Core Banking
Business Agility
Rapid product launches and market responsiveness
Comprehensive Functionality
Breadth and depth across all banking domains
Flexible Product Designer
Configure products without the need to code
BaaS & Open Ecosystems
Enable embedded finance and partnerships
Foundations of Modern Core Banking
A composable, event-driven architecture that breaks down complexity into modular building blocks—enabling banks to configure, extend, and scale core capabilities with speed, precision, and confidence.
Composable Business Components
Composable Business Components - Customer Information
- Savings & Deposit Accounts
- Business Banking Advances
- Payments & Remittances
- Cash & Teller Services
- Debit Card Management
- Pricing Policies & GL
Composable Business Processes
- Customer On-boarding
- Account Opening
- Deposit Booking
- Business Rules & Exceptions
- Authorization Workflows
- Waivers & Overrides
Extensible Events
- Out-of-Box Event Factory with well-defined event payloads
- Configurable Events – Rule-based publishing, extensible payloads
- Deferred Events – Dispatch configuration based on delivery mechanisms
Real-Time Books & Positions
- True 24×7 Processing
- Real-time GL, Online Balance Sheet / Financial Statements
- Real-time Entity/Branch level GL position management
Comprehensive Services
- OLTP (Online Transaction Processing) Services
- Batch Mode Services
- Integration Services
Foundations of Modern Core Banking
A composable, event-driven architecture that breaks down complexity into modular building blocks—enabling banks to configure, extend, and scale core capabilities with speed, precision, and confidence.
1. Composable Business Components
- Customer Information
- Savings & Deposit Accounts
- Business Banking Advances
- Payments & Remittances
- Cash & Teller Services
- Debit Card Management
- Pricing Policies & GL
2. Composable Business Processes
- Customer On-boarding
- Account Opening
- Deposit Booking
- Business Rules & Exceptions
- Authorization Workflows
- Waivers & Overrides
3. Extensible Events
- Out-of-Box Event Factory with well-defined event payloads
- Configurable Events – Rule-based publishing, extensible payloads
- Deferred Events – Dispatch configuration based on delivery mechanisms
4. Real-Time Books & Positions
- True 24×7 Processing
- Real-time GL, Online Balance Sheet / Financial Statements
- Real-time Entity/Branch level GL position management
5. Comprehensive Services
- OLTP (Online Transaction Processing) Services
- Batch Mode Services
- Integration Services
COMPETITIVE ADVANTAGES
Built on composability and real-time intelligence, these pillars empower banks to rapidly adapt, innovate, and operate at scale—without the constraints of legacy systems.
AI-First Reimagination Of The Lending Lifecycle
Transform credit operations with embedded intelligence
Organisations AI
LOAN ORGANISATIONS DIGITAL EXPERT
Digital Experts
- 1. Unstructured application sourcing
- 2. Document extraction
- 3. RM and Customer Assistant
60%
Less manual entry
85%
Data Accuracy
3X
Faster Processing
Organisations AI
LOAN ORGANISATIONS DIGITAL EXPERT
Digital Experts
- 1. Unstructured application sourcing
- 2. Document extraction
- 3. RM and Customer Assistant
60%
Less manual entry
85%
Data Accuracy
3X
Faster Processing
Organisations AI
LOAN ORGANISATIONS DIGITAL EXPERT
Digital Experts
- 1. Unstructured application sourcing
- 2. Document extraction
- 3. RM and Customer Assistant
60%
Less manual entry
85%
Data Accuracy
3X
Faster Processing
Organisations AI
LOAN ORGANISATIONS DIGITAL EXPERT
Digital Experts
- 1. Unstructured application sourcing
- 2. Document extraction
- 3. RM and Customer Assistant
60%
Less manual entry
85%
Data Accuracy
3X
Faster Processing
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Instant fund availability checks
- Real-time balance aggregation
- Net position computation
- Daylight exposure validation
- Intelligent referral with auto-retry
Smart payment routing
- Cost optimization by rail and FX
- Speed vs. cost trade-offs
- Compliance-aware routing
- Predictive cut-off management
Fraud detection & prevention
- ehavioral pattern recognition
- 85% reduction in false positives
- Real-time anomaly scoring
- Network analysis
Workflow optimization
- Process mining identifies bottlenecks
- Auto-configuration recommendations
- STP rate improvements
- Resource allocation
AI-First Reimagination Of The Lending Lifecycle
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Business Impact
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Business Impact
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Frequently Asked Questions
What makes Intellect's Consumer Core Banking "coreless"?
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.
What is BYOE (Bring Your Own Extensibility)?
360-degree empowerment across all stakeholders – Product Managers, Business Users, IT, and Ops can extend products, workflows, events, and rules without heavy IT intervention.
Is the solution compliant with global regulatory requirements?
Yes, we offer a comprehensive regulatory framework covering Customer, Transactions, Tax, Accounting, and Reporting with flexible and extensible capabilities.
How does the solution handle extreme scalability requirements?
Built for 30M+ transactions per day with auto-scaling capabilities, event-driven architecture, and high-performance data stores designed for data-hungry experiences.
How quickly can banks launch new products?
With our flexible product designer and modular architecture, banks can launch new products in days rather than months, dramatically reducing time-to-market.
Real Results. Real Impact.
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AFC Commercial Bank
- Omnichannel customer experience delivered
- Goal-based savings and spend analysis features
- Complete DIY UI control for customers
Mineral Development Bank
- Real-time international and domestic payments
- Straight-through processing for trade instruments
- Launch new products in days vs. months
Recognized Excellence in Consumer Core Banking
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