Core Banking Solution (IDC)

‘Cloud-native. Microservices-enabled. API-ready.

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Core Banking Solutions

Product Overview

Intellect Digital Core, IDC 20, is a comprehensive Contextual Banking suite across Core, Lending, Treasury, Trade Finance and Cards. Designed around the powerful Digital 360 approach, IDC 20, presents banks with the best of both worlds i.e. Customer Experience (Digital Outside) & Operational Efficiency (Digital Inside).

Ranked #1 in Retail Banking by the IBS Annual Sales League Table 2020 & a Leader in the Gartner Magic Quadrant, the fully integrated digital solution caters to Retail, Corporate and SME banking segments.

Built on a cloud-native and microservices-based architecture, IDC 20, empowers banks to move from fragmented digital activities to a reimagined (holistic) modernisation strategy to drive their digital transformation.


Our Prestigious Clients

We value our clients and are committed to provide innovative solutions for all their needs.

Product Highlights


Frictionless onboarding.

Seamless experience across channels.

Intuitive apps to empower customers with more DIY tasks.


Business agility

Digital bank-in-a-box.

Launch new products – persona-based banking.

Flexible product configurator and relationship-based pricing.


Lean operations

Orchestrate processes & workflows and straight through processing.

Ensure banking talent serves the customer rather than back office.

Reduced EOD / EOM.



Real-time balance sheets.

Central risk monitoring and mitigation.

Actionable insights from a single source of truth.


Implementation certainty

Data migration accuracy.

Leverage service-oriented architecture for smooth integration and standardisation.


Total cost of ownership

Reduced cost-to-income ratio, technology cost-per-customer and cost of regulatory compliance.

Frugal technology infrastructure.



Driving customer value & market leadership.


Intellect Design Arena rated LEADER for the 6th Straight year in Gartner's MQ for Global Retail Core Banking Intellect Digital Core featured amongst Global Core banking Product Vendors for Middle East & Africa


Intellect Digital Core featured in Ovum's Decision Matrix report for Core Banking Systems in the European Market


Intellect profiled amongst Global Top Core Banking Vendors in Celent's Core Sales Ranking 2015


Vietnam Bank for Social Policies wins Celent Model Bank Award with Intellect Digital Core Banking Solution

IDC Financial Insights

Intellect ranked #1 at IDC Financial Insights FinTech Rankings Real Results Award 2016 for its Core Banking solution at Sonali Bank

The Asian Banker Awards

The Asian Banker for the Middle East & Africa Technology Implementation Awards 2015


Best Single Country Core Banking Implementation in the Middle East Best Single Country Core Banking Implementation in Africa Best Multi-channle implementation in the Middle East

Success Stories

What our customers say.

Nimal B. Mamaduwa


As HDFC Bank adjusts itself to a more demanding and continually changing technology environment and looks forward to a compelling Core Banking Solution, Intellect brings its diverse mission critical implementation experience to this engagement. Ranked a leader in this segment, with a proven track record in delivering scalable, secure and reliable solutions, we do hope this deployment will complement our bank in a cost-effective manner and live up to the expectations of our customers.


Hoang Ming Te

Deputy General Director, Vietnam Bank for Social Policies

In the 18 months since successfully implementing Intellect's Digital Core banking solution, all of the Bank's key indicators have improved materially. The most important of these indices are customer count (increasing by 20% from 7.5 million to 9.2 million customers), loan account (increasing by 30% from 7 million loans to 9.2 million), and customer delinquency rate decreasing to under 1 % .


Nguyen Van Le

CEO, Saigon Hanoi Bank

Intellect offers functionally rich capabilities that have enabled our bank to handle traditional banking products in a more integrated and efficient manner across the enterprise. The solution provides our bank a comprehensive customer 360° view with real time updates on accounts and transactions. With an aim to maximize efficiency in operations, Intellect's Digital Core Banking solution has ensured a dramatic shift from manually driven operations to a centralized automated set up. The uniquely designed Digital Core Banking solution has also provided our bank with the flexibility and robust scalability that it requires to support its aggressive growth plans.


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