eMACH.ai
Supply Chain Finance
Comprehensive, AI-first, industry-aligned, front-to-back Supply Chain Finance solution that empowers banks to lead the future of SCF with innovation and operational excellence.
Rated the best SCF platform for strength of offering - IBSi
$150B+
SCF Disbursed to date
18
Customized SCF products run on the platform
8
Countries live
8
SCF Digital Experts
Healthy Supply Chains Depend on Predictable Cash Flow
Supply chains are under constant pressure from liquidity constraints, delayed payments, and operational risk. Suppliers need faster access to working capital, while buyers seek to optimize cash flow without disrupting relationships.
Improved Supplier Liquidity
Enable early payments and faster access to working capital for suppliers.
Optimized Buyer Cash Flow
Extend payment terms responsibly while maintaining supplier trust.
Reduced Supply Chain Risk
Improve visibility into supplier exposures and dependencies.
Scalable Program Management
Onboard and manage large supplier ecosystems with ease.
A unified Front-to-Back Supply Chain Finance Solution
A modern supply chain finance platform aligns the interests of buyers, suppliers, and banks—delivering liquidity where it is needed while improving transparency and control.
eMACH.ai Supply Chain Finance is a comprehensive, AI-first, end-to-end Supply Chain Finance platform built to help banks lead the next generation of SCF through innovation, agility, and operational excellence.
Powered by the eMACH.ai architecture, the platform is built on a microservices-based, API-first foundation that enables banks to rapidly create, scale, and differentiate their SCF offerings. Its highly configurable low-/no-code framework accelerates deployment while ensuring flexibility to adapt to evolving business and market needs.
The platform supports a complete suite of Supply Chain Finance solutions, including PO Finance, Payables Finance, Receivables Finance, Dynamic Discounting, and Dealer Finance. It also supports both pre-to-post and post-to-post finance conversion models, enabling banks to serve complex corporate ecosystems with greater efficiency, scalability, and intelligence.
Front-End Digital Engagement
- Modern UX
- Multi-lingual support
- Anchors/suppliers/dealers
- SSO integration
- Self-onboarding
- Finance request & settlements
Core SCF Back-Office
- Program management
- Finance & Instrument lifecycle
- Settlement Tracking
- Risk Participation
- Delinquency Management
- ESG Linked Financing
Embedded Ai - Purple Fabric
- 8 Digital Experts
- 90%+ AI accuracy
- Real-time insights
- Intelligent decisions
- Early Warning Signals
- Automated workflows
Purpose-Built Capabilities for Supply Chain Finance
Enterprise-grade infrastructure built for payables finance, receivables discounting and working capital optimization at scale
1. Enhance Revenue: Offer More Products
- Launch cross-border, multi-currency Supply Chain Finance programmes, earn FX revenue
- Fund early with PO Finance; extend beyond invoice with Distributor Finance
- Offer OOB products – receivable finance, payable finance, dynamic discounting,
ESG Finance & more
Business Impact
Increase financing volumes and fee income by expanding your Supply Chain Finance product portfolio on a single platform.
2. Reduce Cost: Digitize at Scale
- Digitize end-to-end transaction processing across the complete Supply Chain Finance lifecycle.
- Enable AI-led onboarding and intelligent operations to automate customer servicing and improve operational efficiency.
Business Impact
Reduce operational costs and improve customer experience through intelligent automation and digital-first processes.
3. Fund More: Manage Risk
- Enable Risk Participation & Syndication to distribute exposure and expand financing capacity.
- Strengthen portfolio quality with AI-led credit assessments and configurable transaction-level controls.
Business Impact
Fund more businesses with confidence while improving risk visibility, portfolio quality and capital efficiency.
4. Scale Smarter: AI-First Operations
Embedded AI experts powered by Purple Fabric automate every stage of the Supply Chain Finance lifecycle—from onboarding and compliance to operations, risk management and customer servicing.
- Intelligent onboarding, KYC, document verification and data extraction.
- AI-driven risk, compliance and credit decision support.
- Proactive monitoring with Early Warning Signals and governance assistance.
- Conversational AI for customer servicing, relationship management and programme growth.
Business Impact
Accelerate onboarding, improve operational efficiency and deliver proactive, AI-driven customer engagement at scale.
5. Comprehensive Finance & Instrument Lifecycle
Comprehensive finance processing and settlement orchestration designed for speed, flexibility and operational efficiency.
- Automate finance requests, approvals and disbursements with configurable business rules.
- Support flexible settlements and appropriation across diverse financing structures.
- Enable multi-currency financing with integrated FX, application of FX contracts for conversion, crystallization and SWIFT settlement capabilities.
- Streamline treasury operations through configurable settlement instructions and third-party payment support.
Business Impact
Accelerate finance processing, reduce settlement complexity and improve liquidity through intelligent, treasury-aligned financing operations.
6. Reporting, Analytics & AI Insights
AI-powered operational intelligence delivering real-time portfolio visibility, proactive monitoring and actionable business insights.
- 140+ out-of-the-box reports with configurable dashboards and scheduled reporting.
- Portfolio, exposure and programme analytics with end-to-end business KPI visibility.
- 400+ configurable alerts, AI-powered insights and Early Warning Signals (EWS).
- Customer performance analytics and self-service insights to drive proactive engagement.
Business Impact
Empower data-driven decisions, strengthen portfolio governance and improve programme performance through AI-powered operational intelligence.
Why banks choose eMACH.ai Supply Chain Finance
One Platform, Unified Working Capital, M-Aware, Automated Operations. Cognitive Insights
AI-First Supply Chain Finance powered by Digital Experts
AI-native intelligence embedded across your entire supply chain finance operation.
Onboarding Expert
Streamlines supplier and dealer onboarding by educating participants about the platform along with guided KYC, credit evaluation, ESG checks, and compliance readiness.
ESG & Compliance Expert
Assess ESG performance, monitoring activities, governance checks & assessments, enabling institutions to build sustainable and compliant SCF ecosystems.
Participation Expert
Facilitates data extraction from purchase orders and invoices, simplifying finance requests initiation and expanding ecosystem participation.
Instruments Expert
Automates SCF instrument processing with intelligent finance request handling, PO/ Invoice extraction, and helps streamline instrument-related activities while improving operational efficiency across SCF processes.
Bank Operations Expert
Detects transaction delays and mismatches while streamlining reconciliation, reporting, and operational control across SCF workflows.
Early Warning & Risk Expert
Enables tracking of internal data to identify early warning signals and incorporates external indicators to strengthen risk visibility, governance monitoring, and proactive risk visibility capabilities.
Conversational Expert
Helps organisations provide proactive insights, improve customer engagement, and identify cross-sell opportunities. Along with enhanced customer servicing through conversational AI capabilities integrated into SCF programs.
Relationship Management Expert
Empowers relationship managers with program updates, scaling recommendations, and benchmarking insights across SCF portfolios with program performance tracking, and growth opportunity identification.
Frequently Asked Questions
How quickly can the Supply Chain Finance platform be deployed?
The platform is built on a modular, API-first architecture, enabling phased implementation aligned to the bank’s business priorities. Banks can begin with a specific SCF program, such as Receivables Finance, and progressively expand to additional products as adoption scales. Its highly configurable architecture reduces implementation complexity and accelerates time to market.
Does the platform integrate with existing core banking and payment systems?
Yes. The platform supports seamless integration with core banking, payment systems, ERP platforms, and treasury systems through secure APIs and configurable integration frameworks, enabling banks to embed Supply Chain Finance seamlessly into their existing technology ecosystem.
Can the platform support multi-country deployments?
Yes. The platform is built on a global, multi-country framework that enables banks to operate SCF programs across multiple jurisdictions while supporting local regulatory, currency, tax, and compliance requirements.
How does the platform support large-scale anchor and supplier onboarding?
The platform provides end-to-end digital onboarding capabilities for anchors, suppliers, and distributors, enabling banks to rapidly onboard ecosystem participants and scale programs across large supplier networks while maintaining visibility, governance, and operational control.
Does the platform support risk participation buy and sell?
Yes. The platform supports multi-funder participation models, enabling banks to distribute assets, collaborate with funding partners, and scale financing capacity while efficiently managing exposure and liquidity.
How does the platform help banks expand SCF programs across industries and geographies?
With configurable program structures and flexible financing models, the platform enables banks to support diverse industry segments and expand SCF programs across markets without extensive technology customization.
What Supply Chain Finance products are supported?
The platform supports a comprehensive suite of SCF products, including PO Finance, Payables Finance, Receivables Finance, Dynamic Discounting, and Dealer Finance. It also supports both pre-to-post and post-to-post finance conversion models.
How are financing approvals and workflows managed?
The platform provides configurable workflows and automated credit decisioning capabilities, enabling banks to streamline approval processes, enforce internal policies, and accelerate financing decisions while maintaining strong governance and compliance controls.
How does the platform manage risk and exposure across SCF programs?
The platform provides real-time visibility into exposures across buyers, suppliers, and funding partners, enabling banks to monitor concentration risk, manage limits proactively, and maintain tighter control over portfolio exposure.
How does AI improve operational efficiency in Supply Chain Finance?
The platform leverages AI-powered automation to digitize and validate documents, automate reconciliation processes, and reduce manual intervention, enabling banks to accelerate transaction processing while improving operational accuracy and efficiency.
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