eMACH.ai

Digital Engagement Platform

Unified Digital Engagement Platform helping Banks & Credit Unions deliver personalized, intuitive, and omni-channel experiences, redefining engagement, driving loyalty, innovation, and growth in a digitally connected world

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World’s Most Comprehensive Digital Engagement Platform

eMACH.ai

DEP

the

unified

Digital

Engagement

Platform

revolutionizing

how

Retail,

SME,

and

Commercial

Banks

and

Credit

Unions

connect

with

their

customers

and

members.

delivering

seamless,

contextual

experiences

across

the

entire

customer

lifecycle—from

acquisition

and

engagement

retention—our

codeless,

cloud-native

platform

empowers

banks

innovate

faster.

With

extensible

architecture

and

AI-enabled

user

journeys,

eMACH.ai

DEP

enables

personalised,

omnichannel

interactions

through

self-service

and

assisted

channels,

driving

deeper

relationships,

agility,

and

sustainable

growth.

The

platform

Open

Finance

enabled

and

helps

Banks

and

Credit

Unions

connect

external

ecosystem.

Proudly Serving
the Industry

Deliver Seamless & Personalised Experiences Easily

Unified platform for Retail, SME & Corporate customers across Acquisition, Engagement and Retention

Microservices-based, Event-driven, API-enabled, Cloud Native, Headless with underlying AI models (eMACH.ai) Platform

Codeless platform to Buy, Adapt & Build user journeys

Create a unique design and experience with a composable UI/UX layer

82% Improvement in average transactions per user per month

Engage with your customers

eMACH.ai DEP’s omnichannel platform empowers banks and credit unions to deliver personalized experiences tailored to every customer, device, and lifecycle stage. By unifying data and insights across all channels, eMACH.ai DEP enables seamless interactions that drive loyalty and satisfaction.

Whether onboarding new customers, deepening existing relationships, or re-engaging inactive members, our platform adapts to meet diverse needs. Its robust analytics and AI-driven capabilities ensure every touchpoint feels unique, fostering trust and connection.

Bring Delight with Impressive UI/UX

eMACH.ai DEP delivers a seamless and intuitive interface designed to cater to diverse user preferences and business needs.
Our approach considers key factors like customer segments, demographics, generations, and geographical preferences to ensure an engaging and user-friendly experience.
Built with over 57 reusable components, our platform allows for easy customization to meet the specific requirements of banks and their customers.

The platform is designed to align with regional preferences, supporting various languages and currencies for global accessibility.
eMACH.ai DEP adheres to strict accessibility standards (WCAG) by ensuring proper color contrast, keyboard navigation, and descriptive alt text, making it inclusive

Kickstart with comprehensive experiences for your customers

Built as a unified platform for Retail, SME, and Commercial banking segments, eMACH.ai DEP delivers seamless, end-to-end user journeys—from member onboarding and digital lending to bill payments, investments, and delegation management. With advanced engagement tools like PFM, loyalty programs, and gamification, eMACH.ai DEP drives deeper connections. Beyond banking, ESG and lifestyle offerings enhance value. eMACH.ai DEP enables banks and credit unions to simplify operations, improve scalability, and deliver exceptional experiences across all customer segments.

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Empower your employees with smarter tools

eMACH.ai DEP equips banks and credit unions with a sophisticated back-office application designed to empower their employees with essential tools and functionalities.

Customer Onboarding Management: Centralize onboarding for retail, corporate, and SME clients, allowing employees to track journeys in real-time for quicker approvals.
Entity Management: Offer a unified view of customer entities and relationships, simplifying the management of complex hierarchies.
User Management: Implement role-based access controls for secure management of user roles and permissions.
Content Management: Enable employees to create and manage customer communication content, ensuring consistent messaging.
Segmentation and Limits Management: Facilitate the definition of customer segments with customizable offers based on demographics and behaviors.
Fee & Charges Management: Provide tools to configure fees transparently while ensuring regulatory compliance.
Workflow Creation: Allow users to establish authorization matrices across various levels.

Innovate easily with Open Finance enabled eMACH.ai Architecture

Built on a composable eMACH.ai (Events, Microservices, API, Cloud, Headless architecture, AI) platform, eMACH.ai DEP comes with comprehensive microservices across Domain, Engagement, Contextualization, Data ingestion and Process Choreography. The platform can connect with any user experience layer upstream and any core banking, 3rd party applications, Fintechs and Marketplace players downstream. eMACH.ai DEP is available in a Multi-Tenant model with the ability to have tenant-specific front-end, business process versions and Logical and physical partitions of tenant-specific data.

Extend user journeys with a Codeless platform

eMACH.ai DEP comes with the most 750+ Front-end journeys, 50+ Domain Packs (across onboarding, lending, cards, payments, PFM, e-commerce marketplace, ESG etc), 520+ Open APIs, 45+ Events, workflows and more. This gives banks a jumpstart to launching an amazing banking experience. Banks can further choose to adapt each experience with a drag and drop or build a completely new experience from scratch without any coding requirement.

Transform Banking
with Agility & Precision

eMACH.ai DEP For Retail Banks

eMACH.ai DEP For SME & Corporate Customers:

Drive Bank-Wide Digital Transformation

Empower your IT Team

What Our Clients Say

Adnan Al Awadhi

CEO, National Bank of Umm Al Qaiwain

Transforming digital experience for our retail, SME and corporate customers was critical for us in order to grow quickly. We were looking for a platform which allows us to reach new customers through a world-class experience. We were impressed by DEP’s capabilities and the team’s long-term partnership-based approach.

Asian Banker

The winning institution implemented a new platform that enabled AI-based customer onboarding within three minutes, as well as omnichannel experience with customised offers. This improved the bank’s wallet share by 20%. Product holding per customer increased by 80% while the cost of ownership dropped by 60%. The time to launch a new product was reduced from four months to two weeks, and the service fulfilment steps for customers was reduced by 50%, resulting in improved engagement. For these achievements, the award for Best Omnichannel Technology Implementation goes to Co-operative Bank of Kenya and Intellect Global Consumer Banking.

Wendy Murphy

CTO, Vancity

At Vancity, we have been searching for the right partner to help us revolutionise our digital platforms and enable us to deliver our impact-focused, values-driven products and services to our members through a modern, intuitive and seamless digital experience. We feel we’ve found the right partner in Intellect Design Arena, and a technology partner that understands our needs and will enable us to deliver on our commitment to meet and exceed our member expectations.”

Transforming
Challenges into
Success Stories

Asia Pacific eMACH.ai DEP

Case Study: Intellect Powers CDB Sri Lanka’s Award-winning Digital Banking

Live in just 4 months
Awarded ‘Best Social Media Initiative of the Year’
Rapid SME growth

Asia Pacific Digital Lending

Case Study: Intellect fuels aggressive growth for YES Bank, a leading private sector bank in India

eMACH.ai DEP

Ranked No. 2 Islamic – Digital Banking & Channels in IBSi Sales League Table 2024

eMACH.ai DEP

Ranked No. 2 Digital Banking & Channels in IBSi Sales League Table 2024

eMACH.ai DEP

iGCB’s Digital Engagement Platform (earlier called CBX-R) won Best Omnichannel Technology Implementation for implementation at Co-operative Bank of Kenya from The Asian Banker Global Middle East and Africa Awards 2023

eMACH.ai DEP

iGCB’s Digital Banking Platform – CBX Retail recognized with a ‘Functionality Standout’ designation in Celent’s Report titled ‘Retail Digital Banking Platforms: International Edition’.

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FAQs

How can modern Digital Engagement Platforms improve experience?

Modern platforms like eMACH.ai DEP enhance user experience with personalized, seamless engagement across stages and channels. Using AI for tailored recommendations, gamification, loyalty rewards, and secure processes, they build trust and foster value-driven relationships.

Can eMACH.ai DEP integrate with existing core banking systems and fintech partners?

Yes, eMACH.ai DEP is designed to seamlessly connect with any core banking system (including iGCB’s core banking platform), as well as applications, fintechs, and other marketplace partners, ensuring inter-operability and ease of integration.

What measurable benefits have customers achieved with eMACH.ai DEP?

Banks using eMACH.ai DEP have achieved faster onboarding in 3 minutes, reduced digital platform costs, increased wallet share, and accelerated product launches, all contributing to improved operational efficiency and customer growth.

Engage with your customers

Bring Delight with Impressive UI/UX

Empower your employees with smarter tools