75%
Instant Approvals
50%
Lower NPAs
5x
Collections Efficiency
60%
Cost Reduction
Trends
What’s Shaping the Future of Non Banking Financial Companies
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Digital lending & credit solutions — instant credit, micro-loans, consumer finance — with demand for quick decisions, streamlined onboarding, and minimal paperwork. canada+1
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Rise of embedded finance — NBFCs integrating with digital platforms, fintechs, merchant ecosystems, to reach customers where they are.
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Increasing regulatory scrutiny, risk management needs — as NBFCs expand credit portfolios, they need robust risk models, collections, collateral and limit management, compliance mechanisms. canada+1
Challenges
The Pressures Reshaping Today’s NBFCs
1
Tightening Regulatory Oversight & Compliance Burden
- Stricter liquidity norms (LCR, ALM guidelines)
- Higher scrutiny on ownership, governance, and risk frameworks
- Enhanced KYC/AML and reporting requirements
2
Rising Credit Risk & Portfolio Quality Pressure
- Economic volatility affecting MSMEs
- Need for sharper underwriting and early warning systems
- Fraudulent loan applications and synthetic identities
3
Competition from Banks & Fintechs
- Banks offering digital-first lending with lower rates
- Fintechs with faster onboarding and AI-led credit models
- Customer shifting to digital channels expecting instant decisioning
4
Legacy Systems & Slow Digital Transformation
- Limited automation in underwriting and collections
- Siloed systems with poor data visibility
- Difficulty launching new digital products quickly
TRENDS
How eMACH.ai Empowers NBFCs
eMACH.ai delivers an AI-first, composable, cloud-native platform designed to help NBFCs accelerate growth, strengthen compliance, improve portfolio quality, and expand financial access — while keeping operations lean and future-ready.
Strengthen Compliance & Adapt to Regulatory Change
- AI-led KYC/AML with real-time anomaly detection
- Explainable AI for responsible lending and regulatory audits
- Configurable policy engines to adapt to central banks reporting requirements
Deepen Credit Intelligence & Reduce Portfolio Risk
- Early warning systems using AI for delinquency prediction
- Fraud detection using behavioral and identity intelligence
- Automated scorecards and decisioning workflows
Lower Cost of Operations Through Automation
- Straight-through processing across onboarding, KYC, underwriting, and disbursement
- AI-led field-force automation for collections and servicing
- Digital Expert Agents for customer servicing, documentation, and case management
Our Solutions
