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eMACH.ai
Receivables & Collections
Transform Receivables Into Revenue Velocity
End-to-end receivables and collections orchestration that turns cash trapped in AR into working capital—powered by AI, automation and exceptional user experience
Case study
Built for Predictable Cash Inflows
Trusted by banks to simplify receivables processing, improve collection efficiency, and deliver real-time cash visibility.
5
PBCs – Packaged Business Capabilities
16
Microservices
76
APIs
47
Events
Reshaping Collections & Receivables
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AI-Driven Predictive Collections
Machine learning algorithms now forecast payment behaviors with over 90% accuracy, enabling proactive collection strategies and personalized customer outreach.
Real-Time Payment Infrastructure
Transactions clearing in seconds rather than days. Modern payment rails enable instant settlement, dramatically improving cash flow velocity and reducing DSO.
Embedded Finance & Multi-Modal Collection
Customers expect payment flexibility across channels. Successful platforms integrate UPI, digital wallets, cards, and traditional methods in unified workflows.
Intelligent Reconciliation Automation
AI-powered invoice matching achieves 95% straight-through processing, eliminating manual data entry and reducing reconciliation time from hours to minutes.
Customer-Centric Collections Experience
Self-service portals transforming receivables from adversarial to collaborative. Transparent communication and flexible payment options improve satisfaction by 25%.
Receivables Drive Liquidity
Delayed collections, fragmented data and manual reconciliation slow cash realization and reduce liquidity predictability
Faster Cash Realization
Accelerate collections with automated matching and streamlined receivables processing.
End-to-End Visibility
Track receivables, collections, and outstanding positions in real time.
Reduced Manual Reconciliation
Eliminate spreadsheet-driven matching with intelligent automation.
Improved Client Experience
Offer flexible payment and collection options with transparency and control.
Challenges in Consumer Core Banking Solution.
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From Incoming Payments to Actionable Cash Intelligence
A modern receivables and collections platform enables real-time visibility, faster matching and proactive follow-ups—helping banks and their clients improve cash flow and working capital outcomes
In an era of real-time payment infrastructure, traditional, human-dependent data entry and reconciliation create critical bottlenecks that slow down revenue velocity.
eMACH.ai Receivables and Collections platform leverages AI-driven predictive collections and intelligent reconciliation to clear transactions in seconds rather than days. By unifying disparate collection channels into a single, AI-native architecture, we empower banks to reduce DSO by 32% and achieve up to 95% straight-through processing, transforming receivables from an adversarial process into a collaborative, customer-centric experience.
By consolidating payment data, reference information, and customer instructions, the platform enables intelligent matching, faster exception handling, and real-time cash visibility.
Seamlessly integrated with payments, liquidity management, and client channels, Receivables & Collections transforms incoming payments into predictable, actionable cash flows.
Trusted by 35+ banks | Processing 10.5M+ daily transactions
Powered by AI, automation, and exceptional user experience.
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Comprehensive Receivables & Collections Capabilities
End-to-end collections and receivables orchestration powered by AI, automation, and exceptional user experience
1. Cash Collections
- Multi-channel acceptance (OTC, Vendor, CDM, Lockbox)
- Doorstep banking services
- Correspondent banking network
- Cash vaulting & secure handling
- Automated lodgment & credit
- Real-time MIS generation
Business Impact
80% reduction in manual data entry and real-time MIS generation for physical collections
2. Cheque Collections
- CTS-based cheque clearing
- MICR & image processing
- Multi-location deposit
- Return cheque management
- Positive pay system integration
- Cheque status tracking
Business Impact
- Faster Settlement Velocity: Real-time MIS generation and automated lodgments reduce the time between deposit and credit, directly improving liquidity
3. NACH Direct Debit
- E-NACH & Physical NACH support
- AI-powered mandate extraction
- Signature verification engine
- Automated routing logic
- Mandate lifecycle management
- Real-time status updates
Business Impact
95% improvement in registration TAT; mandate processing dropped from days to minutes
4. Electronic Collections
- Real-time rails (likeUPI & IMPS) integrations
- High Value and Low Value rails (like NEFT/RTGS) processing
- VPA – Virtual payment addresses
- QR code collections
- Payment gateway integrations
- Settlement reconciliation
Business Impact
Instant settlement velocity that dramatically improves cash flow and reduces DSO by 30%
5. Miscellaneous Collections
- Bill payment integration (BBPS)
- Standing instruction processing
- Pre-authorized transactions
- Wallet & card payments
- International remittances
- Custom payment modes
Business Impact
- Accelerated revenue velocity and cash flow
- 95% Straight-Through Processing (STP): End-to-end automation from payment initiation to final settlement eliminates manual data entry bottlenecks
6. Digital Center
- Self-service customer portal
- Mobile-first collections app
- WhatsApp & chatbot integration
- Payment link generation
- Digital statement delivery
- Real-time notifications
Business Impact
Achieve an 80% auto-reconciliation rate, reducing reconciliation time from hours to minutes
7. Supporting Services
- Customer communication engine
- Collections analytics dashboard
- Workflow automation
- Exception management
- Audit trail & compliance
- 24/7 system monitoring
Business Impact
Over 90% accuracy in behavior forecasting, allowing proactive risk management of high-risk accounts
Why Banks Choose eMACH.ai Receivables & Collections
Improve collection efficiency, gain real-time visibility and strengthen liquidity outcomes with an intelligent receivables and collections platform
Unified Multi-Channel Coverage
The Difference: Moves beyond separate systems for cash, cheque, mandate, and electronic payments.
Business Impact: A single, unified platform managing every collection channel end-to-end with total visibility.
AI-Native "Digital Experts" Architecture
The Difference: Replaces manual data entry and human-dependent matching with intelligent OCR and biometric signature verification.
Business Impact: Achieve 90% automation in mandate processing, reducing turnaround time from days to minutes.
Hyper-Speed Deployment
The Difference: Replaces manual data entry and human-dependent matching with intelligent OCR and biometric signature verification.
Business Impact: Achieve 90% automation in mandate processing, reducing turnaround time from days to minutes.
API-First Ecosystem Integration
The Difference: eMACH.ai architecture with 78 pre-built APIs with standardised integration patterns.
Business Impact: Seamlessly connects with major ERP systems (SAP, Oracle), Core Banking (Finacle, Flexcube), and payment networks without custom code
Hyperscale Linear Performance
The Difference: Engineered for massive throughput without performance degradation at high volumes.
Business Impact: Confidently process over 10 million+ daily transactions and handle high-volume events like 2M+ daily peak volumes.
Intelligent Recon & DSO Reduction
The Difference: Leverages AI-powered matching to achieve an 80% auto-match rate for corporate A/R.
Business Impact: Directly improves working capital by reducing DSO by 32% and eliminating manual reconciliation bottlenecks.
AI-First Reimagination For Receivables & Collections
Direct Debit Mandate Extraction & Verification
Manual processing creates bottlenecks, errors, and delays. Our AI Expert Agent automates mandate registration from physical forms to CBS validation, achieving 95% straight-through processing with near-zero errors.
Intelligent OCR
Signature Matching
Business Impact
95% improvement in registration TAT
80% reduction in manual data entry
Near-zero signature errors
Frequently Asked Questions
What collection types does the Unified Receivables and Collections platform support ?
eMACH.ai Receivables and Collections supports cash, cheque, NACH direct debit, electronic collections, bill payments, and virtual accounts. It also handles doorstep banking and physical collections through CDM and lockboxes, providing end-to-end visibility on a single platform.
Can we achieve straight-through processing for mandate registration ?
Yes. By automating the workflow from physical form extraction to Core Banking system validations, the platform achieves 90 % straight-through processing. This has historically reduced mandate processing time from days down to just minutes.
How does the platform handle invoice reconciliation for corporate clients ?
The AI-powered matching engine identifies and reconciles invoices against payments in real-time. It achieves an 80% auto-reconciliation rate, effectively eliminating manual data entry and reducing reconciliation time from several hours to a few minutes.
How does the platform reduce Days Sales Outstanding (DSO) ?
By integrating real-time payment rails and providing self-service customer portals, the platform improves settlement velocity. Banks using the platform have reported a 30 % reduction in DSO, turning cash trapped in AR into available working capital.
Does the solution integrate with our existing ERP and Core Banking systems ?
Absolutely. The platform is built with an API-first approach, featuring pre-built connectors for SAP, Oracle, and leading core banking systems like Finacle, Flexcube, and Temenos. It has been successfully integrated with over 20 unique core banking systems globally.
How does the system manage compliance and regulatory reporting ?
eMACH.ai Receivables and Collections product includes built-in support for ISO 20022, PCI-DSS, and region-specific e-invoicing mandates. It provides compliance dashboards, full audit trails, and automated regulatory reporting tools to ensure adherence to local standards across more than 18 countries.
What is the typical deployment timeline for the CnR Hub?
Unlike traditional approaches that require 12 to 18 months, Intellect’s eMACH.ai composable and modular architecture and microservices-based design allow for rapid deployment within 18-24 weeks. The use of 70+ pre-built APIs and standardized integration patterns significantly accelerates the implementation cycle.
How does the AI mandate extraction actually work ?
The Purple Fabric powered embedded Digital Expert extracts data from physical mandate forms with 95 % accuracy. It performs biometric signature matching against CBS records and uses auto-routing logic to approve high-confidence matches immediately, escalating only edge cases for manual review.
Can we deploy just specific modules on our existing systems ?
Yes, modular architecture supports phased deployment. Start with Mandate automation or electronic collections, then expand. Works alongside legacy systems during transition.
