- Intellect
- Solutions
- Cards Solution
- Consumer Cards
eMACH.ai
Digital Engagement for Consumers
Unified Digital Engagement for Modern Consumer Banking
Deliver personalized, real-time, omnichannel experiences that deepen customer relationships, drive adoption, and accelerate digital growth across the consumer banking lifecycle.
Case study
Powering Always-On Consumer Experiences
Trusted by leading banks to engage millions of customers with secure, scalable, and insight-driven digital journeys.
750+
Pre-built Journeys
500+
Open APIs
120
Days to Launch
Multi
Segment Support
Key Trends Shaping Digital Engagement
Technology and customer expectations are driving transformation
Hyper Personalization
Modern customers no longer accept one-size-fits-all banking. AI delivers tailored insights that anticipate customer needs before they arise.
Omnichannel Excellence
Seamless transaction journeys across mobile, web, branches, ATMs, and contact centers. Consistent experiences with contextual continuity across all touchpoints.
Conversational Banking
Natural language processing enables customers to bank through simple conversations, making financial services more accessible and intuitive.
Contextual Engagement
Real-time triggers based on customer behavior, location, and life events enable proactive engagement with relevant offers at the right moment.
Experience First Design
Intuitive interfaces, minimal friction, gamification, and delightful micro-interactions transform banking into an engaging experience.
Real-Time Everything
Instant payments, real-time notifications, immediate account updates, and live support have become baseline expectations in digital banking.
Modern Lenders Aspire to Deliver Excellence
While maintaining operational excellence and driving sustainable growth
1
Stand Out in a Crowded Market
Create memorable interactions that reflect your brand values and resonate emotionally with customers. Deliver a “signature” banking experience based on customer segments.
2
Launch New Features with Agility
Deploy new features, products, and services digitally without lengthy development cycles. Stay ahead by continuously evolving based on customer feedback.
3
Collaborative Ecosystems
Design with empathy and deliver interfaces that make banking effortless and enjoyable. Use the underlying platform in headless deployment.
4
Automate & Optimize
Drive higher sign-ups, deeper product holding, and increased lifetime value through contextual engagement and intelligent recommendations.
Digital Engagement Is the New Frontline of Banking
Consistent Omnichannel Journeys
Deliver seamless experiences across mobile, web, branch, and assisted channels.
Personalized & Contextual Engagement
Use real-time insights to tailor offers, messages, and journeys to each customer.
Faster Digital Innovation
Launch new journeys, features, and campaigns without heavy IT dependency.
Lower Cost-to-Serve
Shift routine interactions to digital self-service while improving satisfaction.
API-first, microservices-based platform enabling personalized, omnichannel digital banking experiences for Retail, SME, and Corporate customers
Intellect’s Digital Engagement Platform for Consumers is a comprehensive, cloud-native solution that enables banks to design, deliver, and orchestrate personalized digital experiences across the entire consumer banking lifecycle.
From onboarding and everyday banking to servicing, offers, and engagement, the platform provides a unified foundation for consistent, secure, and scalable interactions.
Built on an API-first, microservices-based architecture, the platform integrates seamlessly with core banking, lending, cards, payments, and third-party ecosystems. With embedded analytics, configurable journeys, and real-time orchestration, banks can continuously evolve digital experiences, drive engagement, and respond rapidly to changing customer expectations.
Enterprise-Grade Corporate Cards Platform
Streamline corporate card programs with smarter control and automation
Corporate Cards
Legacy Integration
Connect with existing core banking, fintechs, third-party marketplaces. Enable co-existence with older platforms.
Multi-Tenant, Multi-Segment
Serves Retail, SME, and Corporate customer segments. From simple savings to complex corporate workflows.
Data-Driven Personalization
Built-in AI/contextual models for hyper-personalization. Tailored offers based on customer behavior and life-stage.
Comprehensive Capabilities Across the Customer Journey
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1. Digital Onboarding
- Configurable workflows
- National Registry integrations
- Credit and risk profiling
- Frictionless onboarding
- Anomaly and pattern detection
- Coverage: Consumer, SME, and Corporate customers
- Products: Deposits, Loans, and Cards
2. Comprehensive Servicing
- Accounts: Savings and Current Accounts, Term Deposits
- Lending: Loan Accounts, Cards
- Payments: Funds Transfers, Utility Payments, Statutory Payments
- Digital: Wallets, Virtual Cards
3. Engagement Banking
- Personal Finance Management: Category-wise expense insights, Goal creation and tracking.
- Family Banking: Extend digital banking to kids, teens, and college students
- Social Banking: Support for underserved and low-income populations
- Loyalty and Rewards: Diverse rewards, Flexible redemption options
4. Beyond Banking
- Gamification: Personalized offers and tiered upgrades, Challenges based on customer behavior
- Personalization: Analytics-based personalization across customer lifecycle, Automated utility payments and life event triggers
- Sustainability: Reduce carbon footprint with one swipe, Donate to social/environmental causes, Redeem rewards for sustainable purchases
5. Open Banking & Relationship Management
- Partner Management Portal: Design API/SDK products, API pricing, metering, and billing, API marketplace with documentation
- Relationship Management Portal: Customer 360° views across products, Branch on the Move capabilities, Enhanced operations with automated processes
What Sets DEP Consumer Apart
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Frequently Asked Questions
What makes DEP Consumer "low-code"?
Can DEP Consumer integrate with our existing core banking system?
How quickly can we launch a new digital banking app?
Does it support multiple customer segments?
What is "BYOUX" (Bring Your Own UX)?
Delivering Tangible Impact Across Global Banks
Retail Bank Accelerates Digital Adoption
A leading consumer bank deployed Intellect’s Digital Engagement Platform to unify mobile and web experiences, resulting in higher digital adoption, reduced service costs, and improved customer satisfaction.
Bank Launches Personalized Engagement at Scale
By leveraging real-time insights and configurable journeys, a bank delivered contextual offers and proactive notifications—driving increased engagement and product uptake.
Recognized Excellence
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