The first ‘Truly Green’ Credit Card solution, with the power and flexibility to reimagine or build your Cards canvas in 50 days!

After successful implementations in the Europe market, we are excited to launch iKredit360 Cards in the India Market, as a state-of-the-art cards platform offering your teams a fully DIY - customizable solution, designed to meet every need of your customer.

The next-gen iKredit360 Cards architecture leverages the 4C framework empowers you to drive ecosystem-enabled value creation in your Cards business

  1. 1. Control – Putting the control in the hands of the end-customer
  2. 2. Comprehensive – Offer a holistic functional and technological solution
  3. 3. Collaboration – An ecosystem-enabled approach to leverage marketplace advantages
  4. 4. Conscious – Inspiring for a Sustainable mode of living, one swipe at a time

In our mission to Uncomplicate cards, we present a comprehensive, fully digital payment card solution that addresses all credit, debit and prepaid card business needs across issuing, fraud monitoring, loyalty management, end–to-end servicing and delinquency management.

Why iKredit360 Cards

Launch hyper-personalized card solutions with more than 25 parameters enabled by a DIY GUI interface.
● MACH- enabled architecture that supports innovating at speed, unlocking true customer delight.
● 270+ composable Packaged Business Capabilities (PBCs) for conceiving credit solutions on the fly supported by our proprietary Customisable enablement Kits (CEKs - SDK++)
● Low code application development digital platform for customized development

Instant credit decisioning powered by Intellect’s private, public and Partner APIs and a robust Business Rule Engine
● Enable customers to apply for the card from the comfort of their homes through partner digital channels
● Estimate customer’s income leveraging AI/ML-based models, ensuring swift pre-approvals and reduced NPA risks.
● Instant and paperless KYC completion through Video and Biometric modes facilitated by real time integration with National Unique Identification System

‘Give Back’ with your first Truly Green Card in the market. Enable your customers to be more socially conscious by reducing their carbon footprint.
● Live Conscious Meter - highlighting your customers’ Carbon Footprint to assess environmental, social and governance impact.
● Motivate customers to donate to social or environmental causes. Enable them to redeem rewards for sustainable purchases.
● ESG rule-engine aligned to Canadian Net-Zero Emissions Accountability Act (2021)

With our Card as a Service (CaaS) proposition, start issuing feature-rich payment cards to your customers in 50 days!
● ‘Try-Test-Grow’ with Zero capex commercial model to enable ‘pay as you go’
● Leverage our industry experts for custom-made payment solutions and sage counsel on compliance matters
● Delegate the management of end to end cards solution and operations – including launching
powerful self-service channels and customer services function.

Offer a world of services, features and beyond, with each card you issue - Powered by an inbuilt Marketplace.
● Unique composition platform-iTurmeric brings all elements of digital – orchestration, integration, APIs, and user experience together
● Pre-integrated with best-in-class fintech partners to offer differentiated solutions.
● Enable rapid connections with your ecosystem partners to drive growth

Solution Architecture

Challenge, Innovate and Grow

  • Variety Of Self-Service Options
  • Capability To Support QR Code Transactions
  • Ability To Support Fingerprint Authentication on Mobile App
  • Empowered Collection Module With Pre-Loaded Collections Strategy and Persona-based Segmentation
  • Flexible Rewards Which Can Be Customized To Handle Different Customer Segments
  • Event-Based Accrual (E-Statement Sign Up, Yearly Spends Etc.)
  • Multiple Redemption Options (Cashbacks, Pont+Pay, Buy Points, Etc.)
  • Supports Co-Brand Points Conversion
  • Flexible Pricing With 7 Levels Enabling Banks To Customize The Way Different Transactions Behave For Different Segments
  • Flexible Instalments Where BNPL Transactions Can Be Converted Into EMIs With Minimum Interaction
  • Feature Rich Mobile App With a Customizable Interface
  • Leverage Business Expertise By Analysing Portfolios To Identify Pockets of Opportunities
  • 24x7 Help Desk Support & Application Support
  • Data Centre Hosting Services & Physical Environment Management
  • Call Centre /IVR Services – BAU And Collections Call Center As Well As IVR Facility
  • Real-Time Decision Engine to Suggest the Authorization System To Approve/Decline the Transactions
  • Pre-Configured Rules (Out-Of-The-Box) To Help Businesses Launch Fast
  • Delegation-Based Case Assignment In Case Management
  • Monitoring Transactions Across Channels: ATMs, PoS & Internet

Our Partners

Enhancing Customers’ Payment Experience with iKredit360 Cards

Benchmarked at IBM Labs to Handle

Addressing The Needs of Every Type of Card
10M+

Card Volumes

Addressing The Needs of Every Type of Card
200K

Card Authorization Transactions Per Day

Addressing The Needs of Every Type of Card
450K

Merchant Transactions Per Day

Addressing The Needs of Every Type of Card
1000+

Concurrent Users

What They Have To Say

Recognized by experts

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