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eMACH.ai
Digital Engagement Platform for Consumers, SME
Your Bank, Your Signature Experiences
A low-code, modern, cloud-native platform — where banking meets experience to 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.
16
PBCs – Packaged Business Capabilities
26
Microservices
144
APIs
30
Events
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.
A Low Code, Unified, Modern, Cloud-Native Digital Engagement Platform
Transform customer journeys with an AI-first, omnichannel experience built to serve Retail, SME and Commercial banking
Banking is shifting from transactional to contextual, in order to meet the rising customer expectations banks need a future proof, extensible, composable and scalable digital engagement platform.
eMACH.ai DEP – Digital Engagement Platform for Consumers, SME is a comprehensive, cloud-native platform 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
By unbundling legacy monolithic front-ends, we provide a composable UI/UX layer that enables banks to innovate with empathy, launch apps in weeks rather than months, and foster unshakeable trust through secure-by-design architecture
Enterprise-Grade Corporate Cards Platform
Streamline corporate card programs with smarter control and automation
DEP for Consumers, SME
Seamless Integrations
Connect with existing core banking, fintechs, third-party marketplaces. Enable co-existence with older platforms
Unified Solution
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 Digital Engagement Capabilities Across the Customer Journeys
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1. Enterprise Digital Onboarding
- Unified onboarding for Retail, SME and Corporate clients featuring AI-based extraction from unstructured KYC documents, liveness checks, and national registry integrations and segment specific 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
Business Impact
Onboard retail customers in under 3 minutes and SME, Commercial customers in under 15 minutes
2. Composable UX Design System
- A drag-and-drop visual flow modeler with 156 subcomponents, 279 variations and 37 unique patterns to build or adapt journeys quickly
- Experience-First Design – Intuitive UX with minimal friction and delightful micro interactions
Rapid Go-to-Market: Launch new journeys faster with 750+ pre-built front-end journeys and configurable templates
Business Impact
60% productivity improvement in development compared to traditional models due to standardised components and reuse
3. Comprehensive Servicing
Comprehensive User Journeys
- Drastically reducing the time-to-market — ready-made journeys & templates accelerate onboarding and product launches
- Accounts: Savings and Current Accounts, Term Deposits
- Lending: Loan Accounts, Cards
- Payments: Funds Transfers, Utility Payments, Statutory Payments
- Digital: Wallets, Virtual Cards
- Real-Time Everything: Instant updates, alerts and support
Business Impact
Omnichannel consistent customer experience across all user journeys, channels and devices
4. 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
Business Impact
Improve retention and lifetime value through deeper everyday engagement
5. 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
Business Impact
Higher sign-ups and deeper product holdings per customer by anticipating needs before they arise
6. Open Banking & BaaS - Banking As a Service
- API marketplace with 200+ well defined APIs and well defined API documentation and API sandbox capabilities
- Partner Management Portal: Design API/SDK products, API pricing, API metering and billing, API marketplace with documentation
Business Impact
Rapid collaboration with fintechs and e-commerce partners to unlock new revenue and monetization streams
7. Unified Back Office Portal
- Centralized back-office operations for Retail, SME and Corporate customers through a single administrative workspace
- Unified entity, service and user management across customers, agents, partners and channels
- Configurable workflows for service provisioning, approvals, limits, fees and entitlements
- Event-driven task orchestration enabling straight-through and assisted processing across onboarding, servicing and fulfilment
- Role-based authorization matrix supporting corporate-specific workflows and controls
- Real-time monitoring, dashboards, audit trails and regulatory reporting
Business Impact
Improved operational efficiency, faster turnaround times and consistent front-to-back execution through centralized, automated back-office operations
What Sets eMACH.ai DEP - Digital Engagement Platform for Consumers, SMEs Apart
Frequently Asked Questions
What makes DEP Consumer "low-code" ?
Our drag-and-drop Experience Studio’s 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. eMACH.ai 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 ?
Does it support multiple customer segments ?
Yes, eMACH.ai 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), can the bank bring its own UI design for experiences ?
BYOUX means you can use our platform in headless mode, allowing complete freedom to design your own user experience.
It leverages our powerful digital engagement platform foundations capabilities and the vast and rich set of digital experience APIs.
Banks can then design their own differentiated, “signature” front-end experiences using their preferred design tools and bolt onto the digital experience APIs of the DEP platform.
How does the "Low-Code" aspect of DEP actually accelerate our go-to-market ?
eMACH.ai DEP features an Experience Studio, a drag-and-drop UI/UX designer with a Visual Flow Modeler that allows developers to compose journeys rather than perform traditional coding. This creates a 60% productivity improvement, enabling banks to launch new apps or services in weeks rather than months.
Can DEP manage Retail, SME, and Corporate customer segments on a single instance ?
Yes. eMACH.ai DEP is a unified engagement platform natively architected to serve Retail, SME, and Corporate segments simultaneously. This provides operational simplicity and a consistent brand experience across all entities.
We have a heavy legacy core, how does DEP integrate without a "rip-and-replace" ?
The eMACH.ai DEP platform is built on an API-first and microservices-based backbone with over 200 open APIs. It is specifically designed for co-existence, allowing it to connect seamlessly with existing legacy core systems and third-party fintechs enabling the bank to provide a modern, cloud native and superior experiences to it’s various segments.
How does the "less than 3 minutes" onboarding journey work for customers ?
eMACH.ai DEP utilizes AI-based extraction from unstructured KYC documents, real-time national registry integrations, and liveness checks to create a profile in under three minutes with minimal data entry. This applies to both self-onboarding and assisted workflows.
How does multitenancy help reduce our Total Cost of Ownership (TCO) ?
Multi-tenancy allows a consortium of banks or multiple entities within a group to set up a single instance of DEP as a SAAS platform. This significantly reduces infrastructure and operational costs while ensuring tenant-specific data security and regulatory compliance.
What specific "Beyond Banking" features does DEP offer to drive loyalty ?
eMACH.ai DEP includes Engagement Banking capabilities such as Family Banking (parent/kids app), Personal Finance Management (PFM) with goal tracking, and gamified sustainability rewards through a Live Conscious Meter that tracks carbon footprints.
Is the platform compliant with global security and data residency standards?
Yes. eMACH.ai DEP is Secure by Design, adhering to strict international requirements including GDPR, PSD2, and DORA. It includes detailed audit logs for forensic analysis and robust multi-factor biometric authentication.
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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