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eMACH.ai
Collections & Receivables
Transform Receivables Into Revenue Velocity
End-to-end collections and receivables orchestration that turns cash trapped in AR into working capital—powered by AI, automation, and exceptional user experience.
35+
10.5M+
95%
32%
DSO Reduction
Reshaping Collections & Receivables
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%.
Challenges in Consumer Core Banking Solution.
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Challenges in Consumer Core Banking Solution.
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A Modern, Composable Architecture Built for Intelligent Collections
With connectivity across 50+ touchpoints, it integrates smoothly into your existing ecosystem, and with 95% end-to-end automation, it takes care of everything from mandate setup to settlement with minimal manual intervention. The result: a collections engine that feels simpler, works harder, and adapts to your business instantly.
+40%
Client Coverage
80%
Faster Reviews
95%
STP Rate
95%
Adoption
Solution Capabilities
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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
Cheque Collections
- CTS-based cheque clearing
- MICR & image processing
- Multi-location deposit
- Return cheque management
- Positive pay system integration
- Cheque status tracking
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
Electronic Collections
- UPI & IMPS integration
- NEFT/RTGS processing
- Virtual payment addresses
- QR code collections
- Payment gateway integration
- Settlement reconciliation
Digital Center
- Self-service customer portal
- Mobile-first collections app
- WhatsApp & chatbot integration
- Payment link generation
- Digital statement delivery
- Real-time notifications
Supporting Services
- Customer communication engine
- Collections analytics dashboard
- Workflow automation
- Exception management
- Audit trail & compliance
- 24/7 system monitoring
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Solution Capabilities
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
Cheque Collections
- CTS-based cheque clearing
- MICR & image processing
- Multi-location deposit
- Return cheque management
- Positive pay system integration
- Cheque status tracking
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
Electronic Collections
- UPI & IMPS integration
- NEFT/RTGS processing
- Virtual payment addresses
- QR code collections
- Payment gateway integration
- Settlement reconciliation
Digital Center
- Self-service customer portal
- Mobile-first collections app
- WhatsApp & chatbot integration
- Payment link generation
- Digital statement delivery
- Real-time notifications
Supporting Services
- Customer communication engine
- Collections analytics dashboard
- Workflow automation
- Exception management
- Audit trail & compliance
- 24/7 system monitoring
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Embedded AI for Collections & Receivables
Delivering Tangible Impact Across Global Banks
Bank A
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Bank B
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Bank C
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Frequently Asked Questions
What collection types does the platform support?
Cash, cheque, NACH direct debit, electronic collections, bill payments, UPI, virtual accounts, and doorstep banking—all on a single unified platform with end-to-end visibility.
How does the AI mandate extraction actually work?
Our AI agent uses intelligent OCR to extract mandate data, performs signature matching against CBS records with confidence scoring, and auto-routes high-confidence matches for immediate approval. 95% straight-through processing, reducing registration time from days to minutes.
What about compliance with e-invoicing and payment regulations?
Built-in support for ISO 20022, PCI-DSS, region-specific e-invoicing mandates, and local payment networks. Compliance dashboards, audit trails, and automated regulatory reporting across 18+ countries.
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.
Will it integrate with our core banking, ERP, and payment networks?
Absolutely. 2,015 APIs with pre-built connectors for Finacle, Flexcube, T24, SAP, Oracle, and all major payment networks. Successfully integrated with 50+ bank systems across our implementations.
