- Intellect
- Solutions
- Cards Solution
- Consumer Cards
eMACH.ai
Consumer Cards
Beyond the Plastic, Architecting Lifestyle Moments
Launch hyper-personalized credit, debit and prepaid programs in weeks—not months—on a platform built for the digital-first generation
Case study
Launch in 8 Weeks
Powering Modern Card Experiences at Scale
Trusted by leading banks and issuers to deliver secure, always-on card programs with superior customer engagement and operational resilience.
2
PBCs – Packaged Business Capabilities
26
Microservices
74
APIs
64
Events
The Credit Card Landscape in India is Being Reshaped
Design your onboarding to win
₹30.1T Card Payments Market in 2025
108M active cards by Dec 2024 (doubled from 54M in 2019). 430M transactions/month (↑31% YoY). Market growing at 9.4% in 2025, 11.5% CAGR through 2029.
80% Drop-Off Reduction with AI-powered vKYC
Video KYC cuts onboarding to <15 min (vs. weeks manual). Pre-call time reduced 7X. Live call <3 min (vs. 8-10 min avg). AI fraud detection with 20+ real-time checks.
65% Still Tier-1 but Tier 2/3 growing fast
Strong growth in Surat, Nashik, Kanpur. 561.6M Jan Dhan accounts enabling rural access. Need multilingual support (20+ languages). Only 5-6% population has credit card.
70%+ Prefer Rewards, Cashback/points essential
Co-branded cards (Amazon Pay ICICI, Flipkart Axis, Tata Neu HDFC) rapid growth. Banks collaborating with fintechs. Tokenization + embedded finance dominant. 30% more likely to purchase with cashback.
₹107Cr Cyber Fraud FY25 Q1-Q3 losses
1.8% default rate. ₹2.70 lakh crore outstanding (from ₹87,686Cr in 2019). Delinquencies >360 days: 1.3%→1.7%. RBI tightening norms. AI fraud detection central.
Banks and issuers face frictions across the onboarding funnel
We tackle the top 5
1
High drop-off in Digital Applications
- Customers abandon when journeys feel long, repetitive, confusing
- Manual KYC took several weeks, causing midway abandonment
- Digital KYC, vKYC, live selfies, OCR checks – painful maze with no hand-holding
- Especially problematic in Tier 2 & 3 cities
2
Slow Time to Market
- Traditional vendor stacks require months to configure, test
- Cannot launch co-branded partnerships quickly
- Miss seasonal/festive launch windows
- Slow response to market opportunities
3
Legacy System Integration
- Most banks rely on older CBS, CMS, workflow engines
- Integration complexity prevents modern overlay
- Disruption risk when touching core systems
- Vendor lock-in limiting innovation
4
Evolving Regulatory Compliance
- RBI compliance updates, KYC/vKYC norms continuously evolving
- Aadhaar masking, CKYC integration, consent architectures changing
- AML/CFT regulations, PCI-DSS standards
- Data privacy, localization requirements
Cards are no longer just payment instruments
Consumers expect instant, personalized, real-time card experiences, while issuers must manage fraud, compliance and scale efficiently. Legacy platforms slow launches and fragment experiences.
Instant Digital Experiences
Enable real-time card issuance, controls, and notifications for frictionless customer onboarding and usage.
Personalized Engagement
Drive usage with contextual offers, rewards, and insights tailored to customer behavior.
Operational Scale & Resilience
Support high transaction volumes with always-on processing and scheme-compliant operations.
Embedded Security & Risk Control
Proactively manage fraud, limits, and compliance with real-time monitoring and controls.
Power your card business with an intelligent, future-ready CMS & onboarding engine
Everything you need to build, launch & scale smarter card products
Financial institutions are no longer just issuing cards; they are competing for a permanent spot in the consumer’s digital lifestyle. eMACH.ai Consumer Cards solution, built on the revolutionary eMACH.ai architecture, empowers banks to move beyond legacy constraints. By blending AI-driven credit decisioning with a composable ‘Product Factory,’ we enable banks and retailers to launch tailor-made rewards, embedded BNPL and real-time spend controls.
We don’t just process transactions, we provide the intelligence to turn every swipe into a moment of engagement and trust.
eMACH.ai Consumer Cards is a comprehensive, digital-first solution that enables banks and financial institutions to issue, process and manage debit, credit and prepaid cards with speed, flexibility and control.
Designed for modern card programs, our solution supports the complete card lifecycle—from product configuration and issuance to transaction processing, rewards, servicing and analytics—on a unified, scalable architecture. With real-time authorization, configurable business rules and seamless integration with digital channels, the solution empowers issuers to deliver personalized, secure and always-available card experiences.
Our CMS (Cards Management System) combines security, personalization and automation into one modern platform. It delivers real-time card lifecycle management and smart fraud controls, enabling banks, fintechs, and co-brand partners to launch and scale differentiated card programs. With ready integrations to core banking, HSM, networks, and AML systems, deployment is fast and seamless.
The CMS (Cards Management System) supports deep personalization through configurable card experiences—spend limits, merchant rules, rewards logic, geolocation controls, tokenization settings, and behavioral insights.
Customers can instantly lock/unlock cards, activate travel modes, adjust preferences, and receive personalized prompts, making every card a context-aware financial companion.
6-TIME GARTNER MAGIC QUADRANT LEADER
A testament to consistent leadership in vision, execution, and innovation.
Consumer Cards
Composable by Design
- Modular domain packs
- Progressive scaling
- No massive upfront investment
- 26+ packaged business capabilities
API-First Architecture
- 2,015+ open APIs
- Seamless integrations
- Ecosystem connectivity
- Third-party fintech enablement
Event-Driven Intelligence
- 535+ event types
- Real-time processing
- Contextual automation
- Proactive notifications
Accelerate card product launches with unified workflows and seamless onboarding
1. Composable Product Factory
- Comprehensive product parameterisation allows banks to mix and match interest tiers, grace periods, fee structures, reward programs to define unique card personas instantly
- Real-time card lifecycle management and smart fraud controls, enabling banks, fintechs, and co-brand partners to launch and scale differentiated card programs
Business Impact
Reduces Time-to-Market by 70%. Banks can launch niche programs—such as student, travel, or corporate cards—within weeks rather than the multi-month cycles of legacy systems.
2. Instand Digital Onboarding
- Complete KYC < 15 min
- Pre-call form-filling reduced 7X
- Compatible 10,000+ devices
- National ID, Social Security No e-KYC, PAN, face match, liveness detection
Business Impact
- 80% reduction in user drop-offs
- 60% faster onboarding
- 50% lower cost per acquisition
3. End to End Digital Card Processing
- Full spectrum of lifecycle tools—from instant issuance and activation to real-time controls, reissuance and tokenization
- Ability to support fingerprint authentication on mobile app
- Empowered collection module with pre-loaded collections strategy and persona-based segmentation
Business Impact
- Drastic reduction in “dormant” periods between approval and physical card arrival, leading to a 25% uplift in initial spend volume.
4. AI-Native Credit Decisioning
- Embedded with Purple Fabric AI that analyzes alternative data and traditional bureau scores in real-time
- It provides dynamic credit limit adjustments based on behavioral signals.
- Pre-configured workflows for RBI KYC/eKYC guidance
- PCI-DSS standards support
- Aadhaar masking compliance
- CKYC integration, consent frameworks
Business Impact
- Significant growth in the cardholder base without a proportional increase in risk appetite.
- Achieves up to 95% Straight-Through Processing (STP) for onboarding, ensuring the card is immediately available in the user’s digital wallet.
5. Real-time Fraud & Risk
- AI fraud detection 20+ real-time checks during onboarding
- Deepfake, spoof detection
- PAN–Aadhaar matching with tamper detection
- Face match, liveness detection
- Behavioral analytics, device signatures
- Pattern recognition, adaptive authentication
Business Impact
A documented 15% reduction in credit losses by identifying high-risk applications before they are funded.
6. Hyper Personalisation
- Configurable card experiences
- Configurable spend limits, merchant category controls
- Geolocation restrictions, travel mode
- Rewards logic
- Tokenization settings
- Behavioral insights, spending pattern analytics
- Personalized nudges for activation, first spend
Business Impact
- Drives a 30% improvement in Net Promoter Score (NPS) and lowers churn through contextual rewards and merchant-specific offers.
- Empowering users with self-service security reduces the operational load on bank call centers and builds deep consumer trust through transparency.
7. Flexible Rewards Management
- Rewards tailored to different customer segments
- Support for co-brand rewards points conversion
- Dynamic and extensible rewards logic
- Multiple rewards redemption options (cashbacks, point_pay, buy points)
Business Impact
- Increases Client Retention by 30%. Personalization fuels engagement, ensuring the card remains the consumer’s primary payment method for daily essentials and luxury spend alike.
8. Regulatory Compliance
- Pre-configured workflows for RBI KYC/vKYC guidance
- PCI-DSS standards support
- Aadhaar masking compliance
- CKYC integration, consent frameworks
- AML/CFT regulatory reporting
Business Impact
- Achieve Zero Audit Exceptions. It eliminates “False Positives” that frustrate travelers, while providing a fully auditable trail that satisfies global regulatory and Consumer Duty expectations.
9. Single Control Center
- Issuers have single control center that orchestrates card creation
- Channel activation
- PIN management
- Digital wallet provisioning, all without dependency on legacy infrastructure
Business Impact
- Reduced operational costs across the entire card lifecyles
Why Transformative Issuers Choose Our eMACH.ai Consumer Cards Solution
AI-First Reimagination Of The Lending Lifecycle
Transform credit operations with embedded intelligence
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor
- 1. Lorem ipsum dolor sit amet
- 2. Lorem ipsum dolor sit amet
- 3. Lorem ipsum dolor sit amet
Business Impact
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor
- 1. Lorem ipsum dolor sit amet
- 2. Lorem ipsum dolor sit amet
- 3. Lorem ipsum dolor sit amet
Business Impact
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet
Frequently Asked Questions
What makes eMACH.ai Consumer Cards Solution from a KYC vendor ?
We provide the full onboarding engine – KYC is just one module. You get low-code decisioning, instant virtual card issuance, fulfillment automation, and real-time analytics in one integrated platform. We’re not just verifying identity; we’re orchestrating the entire customer acquisition journey from application to activation.
How long does a typical cards implementation take?
Standard integrations with one or two modules typically take 8-10 weeks. Full stack rollouts (onboarding + CMS + decisioning + analytics) typically take 10-16 weeks depending on customizations and legacy system complexity.
We use pre-built connectors for common core banking systems, card management systems, and fraud engines to accelerate deployment.
Is the platform RBI / PCI compliant?
Yes. The onboarding workflows are pre-configured to RBI KYC/vKYC guidance including Aadhaar masking, CKYC integration, consent frameworks, and the December 2024 CERSAI mandate. The platform supports PCI-DSS standards for card data security where required. We maintain tamper-proof, real-time audit trails for all compliance activities.
Do you support instant virtual card issuance ?
Yes. We provision virtual cards and tokenisation for digital wallets (Google Pay, Apple Pay, Samsung Pay) immediately upon approval.
This accelerates time-to-first-transaction and enables customers to start spending before physical cards arrive. We also support RuPay credit via UPI integration in the India region.
Can the bank use its own KYC / Fraud systems ?
Absolutely. The platform is vendor-agnostic and provides plug-and-play connectors. You can integrate your preferred KYC providers, fraud detection systems, credit bureaus, or use our pre-integrated partners. This flexibility ensures you’re not locked into specific vendors and can adapt as technology evolves.
How does the "Composable Product Factory" accelerate our time-to-market ?
Our platform is built on a Zero-Waste, microservices-based architecture. This allows you to “compose” new card programs by simply mixing and matching pre-configured modules—such as interest tiers, fee structures, and rewards—without writing new code. This reduces typical launch cycles from 18 months to just a few weeks.
What is "Explainable AI" in the context of fraud and credit decisioning ?
Unlike traditional “black-box” systems, our Purple Fabric “an enterprise-grade Open Business Impact AI solution” provides clear rationale, lineage and confidence levels for every decision.
How do "Self-Service" security controls reduce our operational costs ?
By empowering cardholders to lock/unlock cards, set category limits, and manage international usage via their mobile app, you significantly reduce the load on your customer support centers. This leads to higher user trust and a documented 30% improvement in NPS.
What are the tangible TCO (Total Cost of Ownership) benefits of migrating to eMACH.ai ?
By moving from a monolithic legacy system to a cloud-native, microservices-based platform, you eliminate “dead-weight” maintenance. Clients typically achieve a 30% reduction in TCO through elastic scaling and the ability to update individual features without systemic downtime.
How do you ensure data privacy and localization ?
We support both on-premise or cloud deployment; data residency options are available and we follow local data protection guidelines.
Delivering Tangible Impact Across Global Banks
Leading Bank Modernizes Consumer Card Platform
A major retail bank implemented Intellect’s Consumer Cards solution to launch digital-first card products with instant issuance, real-time controls, and personalized rewards—driving higher activation rates and increased card usage.
Issuer Scales Secure Card Operations
A fast-growing issuer leveraged the platform to support high transaction volumes with built-in fraud controls and scheme compliance, improving operational resilience while reducing fraud losses.
