eMACH.ai
Consumer Core Banking
From Product-Centric to Customer-First and Operations-First Paradigm
Co-Existence First Core Banking. Built on cloud-native, microservices architecture enabling true composability, extreme scalability, and unparalleled business agility.
26+
2,015+
675+
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Events
Core Modernization Driven by Dynamic Business Ecosystem
AI Powered Banking
Pre-approved loans, real-time decisioning, and instant disbursement—transforming borrowing from days to seconds.
Data as a Strategic Asset
Clean, integrated, real-time data critical for AI adoption. Banks unifying fragmented systems to create comprehensive customer profiles and deliver contextual experiences.
Hyper Personalization
Customers expect tailored experiences across all touchpoints. Advanced analytics delivering contextual offers, proactive advice, and personalized financial guidance.
Open Banking & APIs
API-first architectures enabling seamless integration with fintech partners, third-party services, and embedded finance solutions.
Unbundling Core Banking
Moving from monolithic architecture towards cloud-native microservices, enabling faster time to market with superior scalability and resilience.
Enhanced Cybersecurity
AI-driven fraud detection protecting customer data and ensuring regulatory compliance as digital banking grows exponentially.
Modern Lenders Aspire to Deliver Excellence
While maintaining operational excellence and driving sustainable growth
1
Extreme Scalability
2
Fierce Competition
3
Extreme Resiliency
Modern Banks Aspire to Deliver Excellence
While maintaining operational excellence and regulatory compliance
1. Extreme Scalability
Non-linear growth in customer engagement from digital and real-time payment rails creating significant load on core banking systems.
2. Fierce Competition
BigTechs and cloud-native competitors driving frequent innovations in business models, from beyond-banking services to embedded finance.
3. Extreme Resiliency
Customers expect 24×7 availability and best-in-class security. Any deviation leads to financial losses and brand damage.
From Product-Centric to Customer-First & Operations-First
It powers the full retail banking lifecycle — from onboarding, deposits, and payments to customer engagement and analytics — all within a unified digital ecosystem.
+40%
Client Coverage
80%
Faster Reviews
95%
STP Rate
95%
Adoption
Pillars of Modern Core Banking
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
What Sets Us Apart
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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
Delivering Tangible Impact Across Global Banks
Bank A
Reduced operational costs by 30% and improved customer satisfaction scores by 25% within the first year of implementation.
Bank B
Successfully migrated from a legacy system to our platform, resulting in a 40% reduction in transaction processing times.
Bank C
Enhanced cross-selling opportunities through integrated CRM capabilities, leading to a 15% increase in product uptake.
Recognized Excellence
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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.
