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- Digital Engagement for Consumers
eMACH.ai
Digital Engagement for Consumers
Your Bank, Your Signature Experiences
The world's only low-code, cloud-native Digital Engagement Platform — where Banking meets Experience. Transform customer engagement with AI-first, omnichannel digital banking.
750+
500+
120
Multi
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.
Key Trends Shaping Digital Engagement
The digital banking landscape is evolving at unprecedented pace. Understanding these transformative trends is essential for delivering exceptional customer experiences.
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.
Financial Institutions Aspire to Deliver World-Class Digital Experiences
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. Differentiated & Exceptional UX
Design with empathy and deliver interfaces that make banking effortless and enjoyable. Use the underlying platform in headless deployment.
4. Increase Lifetime Value
Drive higher sign-ups, deeper product holding, and increased lifetime value through contextual engagement and intelligent recommendations.
A Unified, Cloud-Native Digital Engagement Platform
It offers a composable UI/UX layer for custom designs, a robust API and microservices backbone with 500+ open APIs, and seamless legacy integration. Serving multiple segments, it enables rapid go-to-market with 750+ pre-built journeys and domain packs, launching new apps in weeks. The platform also leverages AI for hyper-personalization, delivering tailored offers based on customer behavior and life stage.
+40%
Client Coverage
80%
Faster Reviews
95%
STP Rate
95%
Adoption
Comprehensive Capabilities Across the Customer Journey
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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
Comprehensive Servicing
- Accounts: Savings and Current Accounts, Term Deposits
- Lending: Loan Accounts, Cards
- Payments: Funds Transfers, Utility Payments, Statutory Payments
- Digital: Wallets, Virtual Cards
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
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
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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What Sets DEP Consumer Apart
Unified Digital Platform
One Platform for Al
Low Code / Codeless Platform
Build Without Code
Banks can build or adapt user journeys quickly and cost-effectively without heavy IT dependency.
Future-Proof Architecture
Built for Scale
Cloud-native, microservices, API-first architecture enabling extreme scalability, throughput, and performance.
Open Finance Ecosystems
Collaborate Rapidly
Easily collaborate with fintechs, marketplaces, e-commerce, or lifestyle partners through extensive API libraries.
Comprehensive User Journeys
750+ Pre-Built Journeys
Drastically reduce time-to-market with ready-made journeys and templates for rapid product launches.
Omnichannel Engagement
Seamless Across Channels
Smooth, consistent experience across web, mobile, branch—from acquisition to retention.
Embedded Intelligence Driving Smart Banking
Embedded Intelligence
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Delivering Tangible Impact Across Global Banks
Bank A
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Bank B
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Bank C
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Recognized Excellence
Stay Informed with the Latest Insights
Insights contextual to only this solution/product from the Insights repository
FAQs Frequently Asked Questions
What makes DEP Consumer "low-code"?
Our drag-and-drop UI designer and pre-built templates allow banks to create and customize digital experiences without heavy coding, dramatically reducing development time and costs.
Can DEP Consumer integrate with our existing core banking system?
Yes, absolutely. DEP Consumer is designed to integrate seamlessly with any core banking system and third-party applications through our extensive API library.
How quickly can we launch a new digital banking app?
With 750+ pre-built journeys and domain packs, banks can launch new digital banking applications in approximately 120 days.
Does it support multiple customer segments?
Yes, DEP Consumer serves Retail, SME, and Corporate customer segments on a single unified platform with multi-tenant capabilities.
What is "BYOUX" (Bring Your Own UX)?
BYOUX means you can use our platform in headless mode, allowing complete freedom to design your own user experience while leveraging our powerful backend capabilities.
