- Intellect
- Solutions
- Cards Solution
- Consumer Cards
eMACH.ai
Intelligent Core, Designed to Lead Change
Consumer Core Banking
An AI First cloud-native and composable core engineered to eliminate legacy constraints and lead through continuous disruption
How a UK Private Bank Mobilised GBP 1 Billion in Deposits in a Single Quarter
A leading UK-based private bank partnered with Intellect to modernise its core banking and digital engagement platforms, enabling rapid deposit mobilisation through its Independent Financial Adviser (IFA) ecosystem.
15
Packaged Business Capabilities (PBCs)
46
Microservices
212
APIs
53
Events
Built for Real-World Banking at Enterprise Scale
Intellect’s Consumer Core Banking platform is proven in high-volume, high-complexity environments, delivering measurable business outcomes at scale while enabling banks to innovate with confidence.
30M+ Transactions per Day
Sustain peak-volume processing with real-time posting and zero downtime
450+ Integration Touchpoints
Connect effortlessly with fintech partners, payment networks, regulators, and enterprise systems
360° Empowerment Across the Bank
Enable customers with instant, contextual experiences, operations with straight-through processing, and IT teams
26+ Pre-Built Domain Packs
Deploy deep retail banking capabilities—from deposits and lending to payments and servicing
An Operating Model for Banking in Motion
Empower banking operations with the agility, scale, and innovation needed to thrive in open finance ecosystems
Banking is moving faster than traditional platforms were ever designed to support. Open ecosystems, expanding regulatory demands, AI-led decisioning, and relentless cost pressures require a banking foundation that can evolve continuously—without disrupting operations
Built on a proven cloud-native architecture, eMACH.ai Consumer Core Banking is an AI-native, composable banking operating model that embeds intelligence across data, processes and decisioning. It enables banks to modernize incrementally or replace legacy systems entirely—at their own pace—without complexity or operational risk
eMACH.ai Consumer Core Banking allows banks to move beyond rigid, product-centric constraints to a customer-centric banking foundation. Bring differentiated products to market faster, integrate seamlessly with partners and ecosystems, personalize at scale, and respond confidently to regulatory change—while improving efficiency, lowering total cost of ownership and unlocking new revenue streams
Proven in large-scale, complex banking transformations worldwide, eMACH.ai Consumer Core Banking powers contextual experiences that drive loyalty, growth and competitive advantage. More than a platform, it provides a durable operating model for banks navigating constant evolution.
Business Agility
Rapid product launches and market responsiveness
Comprehensive Functionality
Breadth and depth across all banking domains
Flexible Product Designer
Configure products without the need to code
BaaS & Open Ecosystems
Enable embedded finance and partnerships
Beyond Rigid Constraints, Architecting Customer-Centricity
Design, adapt and innovate continuously using AI-driven, low-code composability
1. Composable Product Library
- Freedom to design retail products around customers—not constrained by legacy systems
- A vast repository of pre-built retail banking capabilities that can be drawn upon as needs evolve
- Products defined through granular parameterization
- Banks have freedom to define interest structures, fees, charges, pricing rules and product attributes using low-code/no-code tools
- Savings & Deposit Accounts
- Payments & Remittances
- Cash & Teller Services
- Debit Card Management
- Pricing Policies & GL
Business Impact
Introduce new customer centric product offerings and propositions and niche variants without customizations or disruptive core changes
2. Composable Business Processes
- Process agility, engineered into the core
- A built-in business process orchestration layer enabled banks to design, run and continuously evolve end-to-end retail banking processes with agility and control
- Predefined, rule-based workflows are available out of the box to support rapid business configuration. Using low-code orchestration, banks can add new steps, adjust execution sequences, modify authorization workflows and apply conditional logic—allowing processes to evolve continuously without custom development or operational disruption
Business Impact
Allows banks to adjust execution sequences and logic continuously without custom development or operational disruption
3. Open Powerhouse
- From Closed Core to an Open Powerhouse, it offers a comprehensive API-led core banking platform with more than 200+ ready-to-deploy foundational and business APIs, to connect internal systems, customer channels, and external partners through a single, governed interface
Designed for service orchestration, the core banking platform lets banks combine internal banking functions with third-party fintech capabilities
Banks can extend distribution beyond traditional channels and generate new revenue streams by exposing selected services—while maintaining control over customer ownership, security, and regulatory compliance
Business Impact
Enables Open Banking, BaaS and Embedded finance models, generating new revenue streams while maintaining control over security and compliance
4. Extensible Events
- A shift from static batch processing to a dynamic, real-time operating model. This architecture allows each business component to self-govern and respond instantly to triggers through a Pub/Sub and real-time streaming capability
- Out-of-Box Event Factory with well-defined event payloads
- Configurable Events – Rule-based publishing, extensible payloads
- Deferred Events – Dispatch configuration based on delivery mechanisms
Business Impact
- Eliminates latency in digital banking—such as instant payment notifications and immediate account updates—which is a critical baseline for modern customer trust
- New user journeys can be “composed” through a composability platform that responds to interaction through APIs and events, accelerating go-live timelines
5. Real-Time Books & Positions
- True 24×7 Processing
- Multi-level ledger with expandable/collapsible Chart of Accounts.
- Real-time GL posting, Online Balance Sheet / Financial Statements
- Real-time Entity/Branch level GL position management
Business Impact
Delivers real-time insights and 360-degree visibility into consolidated positions, ensuring absolute financial integrity
6. Intelligence Led, Operational Excellence
Provides a robust data foundation that delivers high-quality, granular, and timely data across the full product lifecycle and service fulfilment
Built-in analytics power an operations lighthouse, giving banks near-real-time visibility to proactively remove bottlenecks, improve straight-through processing (STP), and reduce errors—so customers experience faster journeys, fewer disruptions, and more reliable service
Sophisticated exception and anomaly detection helps safeguard customer data by identifying unusual access or atypical system behaviour before it impacts trust or experience
Business Impact
Proactively removes bottlenecks and improves Straight-Through Processing (STP), leading to an 80% reduction in processing times
7. Comprehensive Regulatory Framework
- Eliminate the complexity of cross-border expansion. Our “Regulation-Ready” core is pre-configured, ensuring you stay ahead of the curve, not just compliant
- Pre-Configured country packs: Rapidly enter new markets with built-in support for local tax, statutory reporting, and Multi-GAAP requirements
- Zero-Reconciliation Ledger: Our N-Tier General Ledger provides a single source of truth, removing the need for manual reconciliation and ensuring 100% audit accuracy
- Future-Proof Resilience: Automated updates for Basel III/IV, GDPR, and Open Banking standards across all jurisdictions
Business Impact
Reduce localization time by 80% and scale across borders without re-architecting your core
Why Bank's choose eMACH.ai Consumer Core Banking to Built their Future
Built on composability and real-time intelligence, these pillars empower banks to rapidly adapt, innovate, and operate at scale—without the constraints of legacy systems
Composable "Zero-Waste" Architecture
The Difference: Designed using a cloud-native, microservices-based architecture designed for elastic scalability, high availability, and long-term resilience—supporting sustained growth without re-platforming. Unlike monolithic cores, it unbundles the entire banking value chain.
The Advantage: Achieve horizontal scalability and agility. You can compose segment-specific solutions by deploying only the components you need.
Progressive Modernization Path
The Difference: Designed for co-existence and gradual transition. It features an incumbent core-compatible interface layer.
The Advantage: Eliminates the “Big Bang” risk. Modernize incrementally by externalizing niche functionalities. Composable architecture reduces long-term complexity—making change easier, upgrades smoother, and innovation sustainable.
Bring Your Own Extensibility
The Difference: Products and processes are defined through granular parameterization and a built-in low-code platform, providing superior extensibility and control.
The Advantage: Provides “Extensibility with Sovereignty”. Business users can launch new variants in weeks, and IT teams can extend functionality without touching the core source code.
Future-Proof Resilience
The Difference: Built on a CSP – Cloud Service Provider Agnostic, technology stack aligned to beyond 12-factor application principles.
The Advantage: Ensures 24/7 service availability with zero downtime. The architecture provides hyper-scalability to handle peak loads, such as Black Friday events, without failure.
Deep Banking DNA
The Difference: Backed by over 3 decades of experience across all tiers of banks, greenfield builds—grounded in real-world scale, regulatory reality and the disciplined execution of legacy core transitions.
The Advantage :Ensures implementation certainty both in terms of time and cost, Accelerating the time to value for the deep core banking investments made by a bank. Banks stay aligned with regulatory change, technology evolution, and rising customer expectations.
Digital Command Center
The Difference: A dedicated Digital Operations Platform that decouples operations from the product processor.
The Advantage: Provides real-time visibility to proactively remove bottlenecks. Achieve 80% faster loan disbursements and 95% Straight-Through Processing (STP).
Frequently Asked Questions
How does the eMACH.ai Consumer Core Banking prevent the risks associated with "Big Bang" core replacements?
eMACH.ai Core Banking enables Progressive Modernization, allowing banks to modernize incrementally or replace legacy systems entirely at their own pace. Through co-existence and transition layers, you can move specific functional extensions or domain microservices without disrupting the incumbent core operations.
Can the platform support hyper-scalability for ever increasing high-volumes due to the increased volumes in digital and instance payments ?
Absolutely. The platform is engineered for hyper-scalability and elasticity on demand. Designed using the eMACH.ai cloud native, microservices based architecture one can scale elastically and on demand. Based on the growing volumes and the type of transactions one can scale the respectively microservices to handle the high volumes.
How quickly can we launch a new retail banking product or variant ?
By utilizing the Composable Product Library and Low-Code/No-Code configuration tools, product launch timelines are typically reduced by 60%. One client migrated from a legacy system to our platform and reduced their go-live timeline to just 7 months.
What is the specific business impact of the "Operations Digital Command Center" ?
The Digital Command Center acts as an “Operations Lighthouse,” providing near-real-time visibility to proactively remove bottlenecks and improve Straight-Through Processing (STP). This intelligence-led approach can lead to an 80% reduction in processing times for critical functions like loan disbursements.
How does the platform enable Banking-as-a-Service (BaaS) and Open Finance ?
The eMACH.ai Consumer Core Banking core is an Open Finance powerhouse featuring over 100+ ready-to-deploy APIs. This allows banks to combine internal functions with third-party fintech capabilities, generating new revenue streams through embedded banking while maintaining full control over security and compliance.
Can we manage multi-currency accounts and hierarchical ledgers natively ?
Yes. The platform supports Single Accounts with multi-currency pockets, allowing for instant currency-wise reconciliation and separate interest rates for different currency sub-balances. The hierarchical GL provides a 360-degree view of consolidated positions with real-time posting.
How does "Contextual Rule Definition" improve our pricing and risk management ?
Our Contextual Rule Engine allows you to define flexible, dynamic pricing and workflows based on risk categories, transaction counts, and relationship bands. This ensures that preferential pricing and authorization paths are automated, reducing manual errors and enhancing risk mitigation.
Is the platform compliant with diverse global and local regulations ?
Yes, eMACH.ai Consumer Core Banking is built for extensibility with sovereignty. It natively supports global standards like GDPR, PSD2, and ISO 20022, while being fully configurable to meet specific central bank regulations and international best practices across regions including the UK, MENA, and APAC.
Real-World Core Banking Success Stories
Explore how financial institutions across markets are modernising their core banking, driving operational efficiency, accelerating innovation, and transforming customer experiences with proven results.
From Legacy to Liquidity: Driving GBP 1B+ Deposit Growth with Open Finance Banking
Facing the dual challenge of scaling deposits and modernising legacy infrastructure, one of the UK’s oldest private banks embarked on a digital transformation with Intellect’s eMACH.ai platform.
6-Week Bank Launch: Redefining Speed-to-Market with Cloud-Native Banking
Faced with the challenge of entering a crowded Ethiopian banking sector, an emerging greenfield bank selected Intellect’s eMACH.ai platform to accelerate its launch.
Recognised by Industry Leaders
Validated by global analysts and industry institutions for delivering robust, future-ready consumer core banking solutions.
Stay Informed with the Latest Insights
Insights contextual to only this solution/product from the Insights repository
