eMACH.ai

Consumer Cards

Launch in 8 Weeks

A compliance-first, modular platform that streamlines customer acquisition, speeds decisioning, and delivers instant virtual issuance.

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Trends

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.

CHALLENGES

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

OVERVIEW

Power your card business with an intelligent, future-ready CMS & onboarding engine
future-ready CMS & onboarding engine

A future-ready card management &
onboarding platform
A modern, modular system that helps banks, fintechs, and partners build, launch, and scale differentiated card programs with speed, security, and intelligence.

Next-Gen Card Platform

Optimized for real-time controls, advanced security, and configurable card experiences.

1

Real-Time Controls

2

Smart Integrations

3

Configurable Journeys

4

Enterprise-Grade Security
Card Platform
Central Intelligence Hub
Loan Products
Core Capabilities
Personalization Layer
Ecosystem Integrations
Customer Segments
Capabilities

Six Core Capabilities Transforming Card Onboarding & Management

Instand Digital Onboarding

  • Complete KYC <15 min
  • Pre-call form-filling reduced 7X
  • Live call <3 min
  • Multi-lingual with live AI translation
  • Low-bandwidth for Tier 2/3 cities
  • Compatible 10,000+ devices
  • Aadhaar e-KYC, PAN, face match, liveness detection
  • Pre-configured workflows for RBI KYC/vKYC guidance
  • PCI-DSS standards support
  • Aadhaar masking compliance
  • CKYC integration, consent frameworks
  • AML/CFT regulatory reporting
  • Provision virtual cards immediately upon approval
  • Tokenization for digital wallets
  • Near-instant activation vs. days/weeks physical delivery
  • Support contactless payments
  • RuPay credit via UPI integration
  • 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
  • Pre-configured workflows for RBI KYC/vKYC guidance
  • PCI-DSS standards support
  • Aadhaar masking compliance
  • CKYC integration, consent frameworks
  • AML/CFT regulatory reporting
  • Configurable spend limits, merchant category controls
  • Geolocation restrictions, travel mode
  • Dynamic rewards logic
  • Behavioral insights, spending pattern analytics
  • Personalized nudges for activation, first spend
  • Real-time application status visibility
  • Funnel analysis identifying drop-off stages

End-to-End Treasury Management Across the Deal Lifecycle

From front-office trading to back-office settlements, everything you need in one integrated platform

Front Office: Trader-Centric Decision Support

Empower dealers with real-time intelligence for faster, more profitable decisions

1. Trader-Centric UI with Decision Support Blotters

Real-time blotters for position, cash, and P&L management, make informed decisions in the moment with comprehensive visibility

 

Business Impact – Fast, Informed Decisions, Immediate visibility into the impact of trades on risk exposure and profitability

2. Pre-Deal Analytics & Scenario Simulators

Evaluate market conditions and potential risks before trade execution with powerful pre-deal limit checks and simulations executing trades

 

Business Impact – Proactive Risk Mitigation, Evaluates scenarios and optimizes profitability while mitigating losses before they occur.

3. Merchant FX & Branch Position Integration

Automate customer and branch position reporting with real-time trader updates across your network

 

Business Impact – Seamless Internal Liquidity, Eliminates manual reporting lag for complex deals across the entire branch network.

4. Cash Flow Management

Enterprise-wide liquidity and funding management in a unified view with real-time forecasting

 

Business Impact – Strategic Balance Sheet Optimization, Turns cash surpluses into drivers of profitability. 

5. Collateral Management

Full support for Repos, IRFs (Interest Rate Futures), CCS (Cross Currency Swaps) with real-time impact on on positions to monitor risk exposure

 

Business Impact – Proactive Risk Mitigation, Optimized Collateral Utilization. Minimizes funding costs, reduces over-collateralization losses, ensures efficient asset use

6. Real-Time Market Data Integration

Seamless connectivity to Reuters, Bloomberg and other market data providers for live pricing

 

Business Impact – Timely Risk Mitigation, Decisiong Making based on realtime market data 

 

 

Mid Office: Real-Time Risk & Automated Compliance

Proactive risk management with AI-powered compliance monitoring

1. Comprehensive Limits & Control Framework

85 pre-defined limits with drill-down to transaction-level utilization and real-time breach detection

 

Business Impact – Safe Growth, Empowers dealers to maximize returns within clearly defined risk parameters.

 

2. Automated Compliance Engine

Rule-driven, multi-dimensional monitoring across Product, Currency, Dealer, and Portfolio dimensions

 

Business Impact –  Prevention Over Review, Shifts from reactive post-transaction reviews to a proactive, preventative compliance posture.

3. Stress Testing Scenarios

Set capital requirements and limit potential losses with comprehensive what-if analysis and scenario modeling

 

Business Impact – Resilient Capital Management, Safeguards the bank against extreme market volatility by identifying vulnerabilities and ensuring adequate capital buffers are maintained before Committing capital.

4. Comprehensive Risk Metrics & Yield Curves

Deep risk analytics including VaR, Duration, Yield Curve Management, and portfolio optimization

 

Business Impact – Precision Risk Visibility, Provides the data-driven foundation required for strategic decision-making, allowing the bank to optimize its balance sheet based on sophisticated yield and duration metrics.

5. Country & Reserve Risk Management

Enhanced limits covering country ratings, reserve requirements, and cross-border exposure

 

Business Impact – Strategic Global Exposure Control, Protects the bank’s international liquidity and investment book by automating controls over jurisdictional risks and ensuring compliant reserve allocations.

6. Portfolio Risk Analytics

Real-time P&L attribution, sensitivity analysis, and performance measurement across portfolios

 

Business Impact – Real-time visibility of the performance across the breadth

 

 

Back Office: High STP & Operational Excellence

Automated workflows for 95%+ straight-through processing

1. Configurable Business Process Management

Workflows that adapt to your unique processes—not the other way around. Drag-and-drop configuration

 

 

 

2. Seamless Confirmation Management

Progressive match generation and automated confirmations reduce settlement risk and manual effort

 

 

 

3. Flexible Settlement Instructions

Support for multiple settlement types, payment instructions, and nostro account management

Business Impact – Operational Excellence, Achieves a 98% STP index, dramatically reducing the cost per trade and eliminating operational errors

 

4. Built-In Dual Accounting

IFRS-compliant accounting embedded in the platform—no separate systems, real-time GL postings

 

Business Impact – Audit Readiness,,Eliminates the manual challenge of adhering to complex regulatory accounting standards

5. Smart Reconciliation Engine

Rule-based dynamic reconciliation with Case Manager for exceptions and automated matching

Business Impact – Reduced Settlement Risk, Minimizes failures and frees up skilled personnel for high-value strategic activities

 

6. User-Defined Reporting

DIY report builder with drag-and-drop fields plus 100+ pre-configured regulatory and management reports

 

Business Impact – Operational Efficiency, due to configurable and flexible MIS reports giving control to business users

Advanced Analytics: Strategic Intelligence & Value-Adds

Transform treasury from cost center to profit driver

1. Portfolio Risk Analytics

VaR calculations, Duration Metrics, performance analysis, and portfolio optimization with scenario testing

 

Business Impact – Quantifiable Deal Impact & Optimization

 

 

 

2. Contextual ALM

Integrated Asset Liability Management for liquidity risk, rate risk optimization, and funding strategy

 

Business Impact – Resilient Capital Management. Safeguards the bank against market volatility through continuous stress-testing

 

 

3. CBX-FX Self-Service Platform

E-banking and FX trading platform for branches and corporate customers with real-time pricing

 

Business Impact – New Revenue Streams, Unlocks growth by exposing treasury services to a wider ecosystem of internal and external partners

4. Resource Mobilization

End-to-end management of borrowings and deposits with full STP and regulatory reporting

 

Business Impact – Efficient funds management resulting in less borrowings

 

 

5. CSGL (Customer Securities)

Revenue generation from Fixed Income Securities trades for customers with automated settlement

 

Business Impact – Stronger balance sheet through automation

 

6. Advanced Analytics Engine

Machine learning-powered insights, predictive analytics, and intelligent recommendations

 

 

Business Impact – Quantifiable Deal Impact & Optimization

KEY DIFFERENTIATORS

Why Transformative Issuers Choose Our Card Management Platform?

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Intelligence-First
Intelligence at foundation, not bolted on. Every transaction/event evaluated by unified risk engine. Behavioral analytics, device signatures, pattern recognition. Reduces false positives, enables adaptive authentication. AI-driven personalization shapes offerings.
Built for India
RBI-compliant KYC/vKYC pre-configured (not generic global platform). Multi-lingual with live AI translation (20+ languages). Low-bandwidth optimization for Tier 2/3 cities. Aadhaar, PAN, CKYC integration native. Support 10,000+ devices including budget smartphones.
Modular & Composable
Deploy full stack or individual modules. Plug-and-play on legacy CBS/CMS. Vendor-agnostic – use your own or ours. API-driven for rapid integration. Launch programs 8-10 weeks vs. months.
Proven at Scale
Powers 28% of India’s credit card originations. #1 Indian-headquartered processor. Top-3 global CMS provider. Tier-1 banks, fintechs, co-brand partners. Trusted across India, Southeast Asia, Middle East, Latin America.
Compliance Without Compromise
Every decision traceable, understandable, reviewable. Explainability, auditability meet global standards. AI logs every action for compliance review. Automation and compliance work together. Future-proof for evolving RBI, PCI-DSS, AML/CFT.
Customer Experience Excellence
Recognized by industry leaders for digital experience. DBS Card+: Silver MobEx Awards (11th Edition). Most Effective Credit Card App: Silver IDMA 2023. Best Mobile Banking App: Global Brands 2023. Not just processing – elevating digital experiences.
DIGITal Experts

AI-First Reimagination Of The Lending Lifecycle

Transform credit operations with embedded intelligence

Organisations AI

LOAN ORGANISATIONS DIGITAL EXPERT

Digital Experts
  • 1. Unstructured application sourcing
  • 2. Document extraction
  • 3. RM and Customer Assistant

60%

Less manual entry

85%

Data Accuracy

3X

Faster Processing

Organisations AI

LOAN ORGANISATIONS DIGITAL EXPERT

Digital Experts
  • 1. Unstructured application sourcing
  • 2. Document extraction
  • 3. RM and Customer Assistant

60%

Less manual entry

85%

Data Accuracy

3X

Faster Processing

Organisations AI

LOAN ORGANISATIONS DIGITAL EXPERT

Digital Experts
  • 1. Unstructured application sourcing
  • 2. Document extraction
  • 3. RM and Customer Assistant

60%

Less manual entry

85%

Data Accuracy

3X

Faster Processing

Organisations AI

LOAN ORGANISATIONS DIGITAL EXPERT

Digital Experts
  • 1. Unstructured application sourcing
  • 2. Document extraction
  • 3. RM and Customer Assistant

60%

Less manual entry

85%

Data Accuracy

3X

Faster Processing

Intelligence

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Customer Success Stories

Delivering Tangible Impact Across Global Banks​

Bank A

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Bank B

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Bank C

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See All Case Studies
Awards and Recognition

Recognized Excellence

National AI Awards 2025

AI Award for Financial ServicesRecognised for deploying enterprise-grade AI digital experts with measurable business impact.

Award

|

Intellect

Chartis: Industry-recognized strength in credit risk management modernization

Intellect Credit Risk Management has been recognised as LEADERS in 3 different quadrants & Best-of-breed

Analyst Recognition

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Treasury & Capital Markets

Chartis: Ranked among global leaders shaping the future of financial technology

Intellect Consumer Banking has been ranked 26 (Jumping 2 places up from 28) in Chartis

Analyst Recognition

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Core Banking
See All Awards & Recognitions
Insights

Stay Informed with the Latest Insights

Insights contextual to only this solution/product from the Insights repository

Parama Credit Union selects Intellect’s eMACH.ai Digital Engagement Platform to modernize experience for its 6500+ members

TORONTO, ON, March 9, 2026 – Intellect Design Arena, a financial technology company powering the

Press Release

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Intellect

Unlocking Africa’s Trade Finance Potential: Driving Growth Through Digital Innovation

Africa stands at the brink of a trade transformation. The African Continental Free Trade Area

Blog

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Intellect

Are the UK and Europe shaping the future of banking?

Insights from Inside Episode 5

Video

|

Intellect
See All Insights

FAQs Frequently Asked Questions

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FAQs Frequently Asked Questions

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