Consumer Banking

A holistic Consumer Banking platform designed to empower retail clients in navigating and optimizing their financial journeys.

Your Strategic Partner in Consumer Banking Innovation

In the fast-paced world of consumer banking, consumers demand banking experiences that are intuitive, secure, and accessible. As a core banking provider, we equip banks and financial institutions with the foundational technology to deliver exceptional Consumer Banking solutions, enabling them to offer a personalized approach to managing their retail customers’ financial well-being. Our platform supports a diverse range of products including convenient Savings Accounts, flexible Retail Term Deposits (with high yield options), and sophisticated Relationship-Based Pricing models. With our user-friendly digital capabilities, we empower banks to simplify banking for their customers, ensuring every interaction is seamless and supportive. We help our banking partners provide the tools that enable individuals to achieve their financial goals, whether it’s saving for a dream, managing daily expenses, or investing for the future, fostering a secure and prosperous financial journey for their end customers.

338M Accounts

180M Customers

91B Transactions Per Year

01

Transform the Customer Journey

High flexibility with a composable architecture and easy orchestration using API & Events

Onboard new customers and disburse personal loans and credit products with an integrated credit platform

Create seamless digital experiences across all channels by integrating with a unified Digital Engagement Platform

02

Launch at Speed

Go to market faster with new products using the DIY Product Configurator

Quickly adapt to market trends by customizing product parameters without requiring extensive coding

Reduce development costs and time-to-market with flexible product templates and a no-code extensibility kit

03

Scale for Growth

Scale seamlessly to handle a massive volume of daily transactions and a growing customer base

Rely on a robust, high-availability architecture built for mission-critical retail banking operations

04

Simplify Compliance & Operations

Streamline high-volume internal processes through AI-based automation and rule-based STP while ensuring full regulatory compliance with a country-ready core banking platform

Achieve faster go-to-market with minimal disruption and risk during data migration

Maintain a single source of truth for all customer data and transactions with an N-Tier Real-time General Ledger platform

Gain more control over your implementation with our dedicated on-site Intellect implementation team

360° View of the Customer
Real-time Accounting
Consistent Omnichannel Banking Access
Streamline Digital Onboarding and Enable Robust Self-service
Embed Robust Security and Ensure Compliance
Quicker Go to Market
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Ken Chitando 

Managing Director

We are embarking on this end-to-end banking transformation to ensure that our customers receive a superior banking experience that is truly unparalleled in the industry. The decision to partner with Intellect Global Consumer Banking was driven by the need to offer an enhanced banking experience to our customers. In an environment where cutting edge technology has enabled stiffer competition we really needed to be able to offer service that is head and shoulders above the rest of the market players. Intellect’s comprehensive solution, which we believe covers all aspects of our banking operations will help drive our business forward and at the same time enable us to deliver game changing financial services solutions in the most convenient manner. Their ability to seamlessly integrate with other partners further solidified our choice. Most importantly, we were impressed by the overall team’s partnership approach, reflecting their commitment to our success and the shared goal of delivering exceptional value to our customers.

Peter Csányi

Deputy CEO & Chief Digital Officer

Customer is at the heart of everything we do at OTP Bank. We saw similar synergies with iGCB and we believe that the flexibility of the core banking system may enable us to create sustainable, personalised banking experiences suitable with the diversified needs of our customers. We look forward to beginning a new era in banking with iGCB.

Robert Loggia

General Manager Operations & ICT

Our vision at NCSL is to be the best provider of e-banking and loan services in Papua New Guinea. iGCB’S cutting edge solutions, complemented by MACH-enabled architecture and a customer-centric user experience positioned them seamlessly as our ideal partner for the digital transformation journey. Their market-leading expertise aligns perfectly with our vision, ensuring a transformative and user friendly approach to our digital evolution.

Taner Ayhan

CEO

As VakifBank, we have always been committed to providing the best services and solutions to our customers, and we believe that iGCB’s products will enable us to achieve our vision of becoming a leading digital bank in Europe. iGCB’s Digital Core and Lending platform offers us the flexibility, scalability and innovation that we need to meet the evolving needs and expectations of our customers, while also optimising our operational efficiency and compliance. We are excited and look forward to working with iGCB to create a seamless and superior banking experience for our customers.

Al-Amin Sadruddin Merchant

Group Chief Technology Officer and Digital Transformation

We were at a point where we wanted to upgrade our core banking system. After a critical assessment of all leading platforms in Africa, we found that the new eMACH.ai Core Banking platform has good potential. We embarked on our core modernisation journey with Intellect, Intellect is also best suited for us because they have an absolutely fantastic middleware platform, Olive Fabric, that is going to give us space to innovate further.

Robin Amlôt

Managing Editor, IBS Intelligence

It has been quite a year for Intellect Design Arena. For the sixth year in a row, the company retained the top spot in the Retail Core Banking category, performing strongly in the APAC region, followed by Africa and Europe. Intellect Design Arena also racked up its third year as leader of the Wholesale Transaction Banking category. The company was a clear leader here with a nearly equal number of deals from the Americas, Europe, and the Middle East. It was also the second year running that Intellect Design Arena held the top position in InsurTech. In fact, it is worth noting that Intellect Design Arena has held top slot in the latter two categories since both the InsurTech and Transaction Banking categories were first introduced to the IBSi SLT!

Pradeep Nair

Vice President and Managing Director, VMware India

We’re delighted to partner with Intellect GCB and establish the Cloud Centre of Excellence. As Intellect GCB’s customers look to rapidly enhance their digital capabilities in a multi-cloud world, the Centre of Excellence will help them mitigate risk, ensure compliance, and reduce time to market. We’re already seeing customer validation of our partnership, and iGCB’s choice of VMware Tanzu reaffirms our position as the industry-leading modern application platform

Mr. Htun Htun Oo

Dy CEO/BOD Consultant, Mineral Development Bank

Our goal for this transformation was to empower our employees with the right tools which can help them deliver world-class banking to Myanmar citizens. We found Intellect Digital Core, most aligned to the needs of a growing bank with its robust technology stack and on-time deployment record. We are very excited to begin our journey

Jon Howe

Managing Director, Cater Allen

Intellect’s Contextual Digital Banking suite, IDC, has not only enabled us to acquire new customers but also facilitate our drive towards market leadership with an open & connected partner ecosystem.

Rolando R Avante

President & CEO, Philippines Business Bank

After multiple evaluations for replacing our existing core banking solution, we chose the latest in technology, IDC 19.1 that would strengthen our operations ensuring higher efficiency and drive our digital transformation agenda.

Ken Chitando 
Peter Csányi
Robert Loggia
Taner Ayhan
Al-Amin Sadruddin Merchant
Robin Amlôt
Pradeep Nair
Mr. Htun Htun Oo
Jon Howe
Rolando R Avante
01

How does eMACH.ai accelerate product innovation and reduce time-to-market for retail banking services?

● Offers 285+ microservices and 1,200+ APIs, allowing banks to assemble retail products like modular components.
● Enables plug-and-play integration with fintechs, payment gateways, and third-party apps.
● Platforms like iTurmeric and Purple Fabric empower business teams to configure products without deep coding.
● Supports event-driven orchestration, so products can respond dynamically to customer actions or regulatory changes.
● Empowers banks to design unique, branded retail products tailored to specific customer segments.
● Supports country-ready configurations, making localization fast and compliant.
● Products can be launched across mobile apps, web platforms, and branches simultaneously.

02

In what ways does eMACH.ai enable banks to remain responsive to changing needs both during and after onboarding?

● Banks can choose from 285+ microservices and 1,200+ APIs to build only what they need, avoiding unnecessary complexity.
● Supports phased rollouts, allowing institutions to modernize at their own pace without disrupting existing operations.
● Tools like iTurmeric enable rapid customization and integration with third-party systems—even during deployment.
● Offers deployment on public, private, or hybrid clouds, and allows banks to bring their own front-end or channels.
● Proven frameworks and delivery models ensure predictable timelines and reduced risk.
● Seamlessly connects with fintechs, ERPs, and external platforms to expand capabilities as business needs grow.