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eMACH.ai
Corporate Core Banking
Intelligent Core for Corporate Innovation
Transform corporate core banking with a truly composable platform that enables rapid innovation, seamless ecosystem connectivity and hyper-personalized corporate experiences
Modern Core for a Growing Bank
By transforming its legacy core, the bank improved scalability, reduced end-of-day processing time, and delivered a smoother customer experience.
A leading bank in Zimbabwe
15
PBCs – Packaged Business Capabilities
46
Microservices
212
APIs
53
Events
Driving Real-Time, Connected Corporate Banking
Corporate banks today must deliver real-time experiences, unify disparate systems, integrate deeply across ecosystems, and innovate rapidly — all while maintaining operational resilience and compliance. Intellect’s Corporate Core Banking platform enables this transformation with a composable architecture that supports progressive modernization, ecosystem connectivity, and intelligent automation at scale.
Accelerate Innovation
Launch new corporate products and workflows in weeks, not months.
Future-Ready Architecture
Built on eMACH.ai with microservices, APIs, and event streams for ultimate flexibility.
Ecosystem-First Connectivity
Seamless integration with ERP, treasury, trade, and partner fintech systems.
Intelligence That Acts
Real-time event triggers and contextual automation for smarter operations.
Key Trends Transforming Corporate Core Banking
Corporate Banking Evolution
Embedded Banking & Ecosystem Connectivity
Business customers require banking to be integrated directly into operational platforms. Core banking is evolving to support:
- API marketplaces for treasury, payments & cash management
- Open banking connectors for fintech and corporate ecosystems
- Seamless enterprise system integration
End-to-End Digital Onboarding
Corporate onboarding is shifting from multi-week paper processes to straight-through digital journeys:
- Auto-KYC/AML with document intelligence
- Digital mandate and account management
- Frictionless lifecycle automation
Transaction Banking + Lending Convergence
Historically separate domains (trade, cash management, lending, supply chain finance) are converging into one unified core:
- Unified data & risk engines across products
- Common client lifecycle & limits management
- Integrated treasury working capital solutions
Strategic Aspirations for Modern Corporate Banking
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Strategic Working-Capital Partner
Corporate clients need business solutions to optimize cash cycles across suppliers, distributors, and buyers:
- Embedded finance into procurement, ERP, accounting platforms
- Dynamic working-capital financing across ecosystems
- Liquidity and cash-flow optimization services
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Hyper-Differentiated Corporate Experiences
Corporate clients expect banking tailored to:
- Their industry (manufacturing, logistics, healthcare, FMCG)
- Their size (SME, mid-market, large enterprise, MNC)
- Their business models and working capital cycles
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Composability for Faster Innovation
Banks want the ability to:
- Launch new products in weeks, not months
- Configure pricing, limits, workflows without core changes
- Plug in capabilities like ESG scoring and digital onboarding
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Predictive Corporate Risk Management
Modern banks want:
- Continuous monitoring of credit, supply chain, and portfolio risks
- Real-time triggers for covenant breaches, collateral deterioration
- Predictive early-warning signals for defaults and exposure spikes
An Operating Model for Corporate Banking in Motion
A future-ready corporate core banking platform purpose-built for wholesale banks, combining real-time intelligence and open ecosystems to deliver agility, scale and continuous innovation
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 Corporate 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 Corporate 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 Corporate 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.
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
Comprehensive Corporate Core Banking Capabilities
1. Composable Product Library
- Freedom to banks to design commercial and corporate products around corporate segments -not constrained by legacy systems
- A vast repository of pre-built commercial and corporate banking capabilities that can be drawn upon as needs evolve
- Extensive configuration and granular parameterisation, allowing banks to introduce and modify interest structures, fees, charges, pricing rules
- Current & Overdraft Accounts
- Lines of Credit
- Pricing Policies & GL
Business Impact
Quicker GTM –Launch specialized industry solutions (e.g., ESG-linked deposits) in days rather than months, adapting instantly to market preferences
2. Composable Business Processes
- Process agility, engineered into the corporate core
- A built-in business process orchestration layer enabled banks to design, run and continuously evolve end-to-end commercial and corporate 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
Supports the fast rollout of new variants across customer segments, markets and industry clusters reducing time-to-market from months to days
3. 'n' Tier Sub Ledger and Realtime GL
- Multi-Currency, Multi-Level Ledger
- Real-Time GL posting
- Profit and Loss booking at Local/Account Currency
- Supplementary Transaction Posting Controls
- Trading Profit Booking
- Zero Reconciliations
Business Impact
Zero Reconciliation- Provides finance teams with an instant, accurate view of the bank’s global position, eliminating the risk of delayed batch processing
4. Sophisticated Demand Deposits
- Multi-Currency Accounts with different transactions & balances
- Separate Interest Rates for currency pockets.
- Overdraft with customer and account level limits
- Physical balance segregation
- Configurable DPD tracking of NPA
Business Impact
Frictionless Corporate Treasury – Enables corporate clients to manage global liquidity within a single account, reducing the operational cost of managing thousands of siloed IBANs
5. Flexible CorporateTerm Deposits
- Multiple Contracts under single Deposit Account
- Different Slab/Tenor matrix based interest rates
- Call Notice Deposits
- Deposit Top-Ups on Rollovers
- Support Negative Interest Contracts
Business Impact
Enables banks to cater to diverse liquidity requirements, from instant access to structured long-term growth, Allows the launch of specialized offerings—such as ESG-linked or “Green” deposits—in weeks rather than months. High level of STP due to automation of top-ups and roll-overs.
6. Contextual Pricing Rule Engine
- Contextual Pricing- Pricing definitions using configurable rules. (based on risk category, relationship banding, etc)
- Contextual Transactions – Rule based transaction routing and workflows, configurable for both financial and non-financial transactions. (based on transaction volumes and values)
Business Impact
Revenue Optimization. Automatically applies preferential pricing for high-value relationships, driving customer acquisition and retention
7. Advanced Taxation & WHT Engine
- Multiple tax collections based on rule based tax codes
- WHT collection based on product, transaction or customer level
- Fixed or Progressive WHT Calculation & Collection
Business Impact
Risk Mitigation – Ensures full compliance with local central bank regulations and international best practices across multiple geographies
8. Intelligence Led, Operations 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 a typical system behaviour before it impacts trust or experience.
Business Impact
Process Optimization. Streamlines complex back-office functions with Straight-Through Processing (STP) and 24*7 availability
What sets eMACH.ai Corporate Core Banking Apart
Built on composability and real-time intelligence, these pillars empower wholesale banks to rapidly innovate and operate at scale without any constraints
Truly Composable Architecture
The Difference: Unbundles the traditional corporate core into an extensive catalogue of Microservices and APIs.
The Advantage: Allows banks to “Start Small” and scale progressively without massive upfront investments, driving an unmatched innovation agenda.
BYOE - Bring Your Own Extensibility
The Difference: Offers 360-degree empowerment via Customer Empowerment Kits (CEKs) for business users, IT teams, and development partners.
The Advantage: Delivers agility with sovereignty, enabling extensibility across products, workflows and accounting controls without code changes.
Multi-Country Harmonization
The Difference: Designed and Engineered for multi-country, multi-entity, multi-currency and multi-time zone deployments with a pre-configured Model Bank and Scope for regional variance.
The Advantage: Ensures a unified global experience while maintaining strict compliance with local central bank regulations.
High-Performance "Turbo EOD" Architecture
The Difference: Utilizes a high-performance framework designed for real-time transaction posting and “Turbo EOD” processing.
The Advantage: Eliminates traditional “End of Day” batch processing delays, giving the bank finance team an instant view of their global position.
Digital Command Center
The Difference: A dedicated digital operations platform that decouples operational workflows and logic from the underlying product processors. This enables the workflows to evolve in a loosely coupled manner.
The Advantage: Streamlines operations with a Digital Command Centre, ensuring 24/7 service availability and horizontal scalability with zero downtime.
Contextual Rule & Pricing Engine
The Difference: Features a powerful rule-driven engine that automates complex transaction routing, dynamic segmentation, and pricing that is required in commercial and corporate ecosystem.
The Advantage: Automatically applies preferential pricing based on relationship bands (e.g., Platinum vs. Gold), industry clusters and other parameters maximizing revenue and customer retention.
AI-First Reimagination Of The Lending Lifecycle
Transform credit operations with embedded intelligence
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Business Impact
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Business Impact
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Frequently Asked Questions
What makes this truly "composable" core banking ?
What is BYOE (Bring Your Own Extensibility) ?
360° empowerment allowing Product Managers, Business Users, IT Users, and Ops Users to extend products, workflows, events, and rules without heavy IT dependency or vendor lock-in.
How quickly can we launch new corporate banking products ?
With our flexible product designer and configurable rules engine, banks can launch new products in weeks rather than months without core system changes.
Does it support multi-currency corporate accounts ?
Yes, comprehensive multi-currency support with different transactions and balances in single transaction accounts, separate interest rates for currency pockets, and real-time multi-currency GL.
How does real-time GL posting work ?
What is the n-tier sub-ledger capability ?
How does the platform support multi-country global expansion ?
What is the "Progressive Modernization" approach ?
Banks don’t have to perform a high-risk “big bang” replacement. You can choose to deploy capabilities incrementally—starting with a functional extension like a Liquidity Management or Virtual Account Management—and transition from the legacy core gradually using our transformation-ready interface layer
Recognized Excellence for Corporate Core Banking Solution
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