eMACH.ai
Lending
Unleash the Power of Digital Credit. Limitless Credit Solutions.
Built for a Boundary-less World
Ranked #1 in Digital Lending for delivering innovative solutions & measurable results
eMACH.ai Lending is a cutting-edge digital credit management system designed to meet the evolving needs of credit seekers and financial institutions. Empowering FIs to offer both commoditized and specialized credit products across Retail, Corporate, SME, and Agri segments, eMACH.ai Lending ensures a seamless, efficient approach to the digital credit landscape.
With the ‘Always On, Always Aware’ concept, eMACH.ai Lending enables real-time, informed credit decisions, providing banks with a 360-degree view of customer portfolios. The DIY model allows banks to create products on-the-fly, ensuring flexibility. The fully automated, robust architecture drives enhanced operational efficiency, reducing costs. eMACH.ai Lending integrates Credit Origination, Loan Servicing, Debt Management, and Collateral & Limits Management, with each component also available as standalone products, supporting digital credit transformation at every stage.
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Transforming Credit Management
01
Accelerated Credit
Origination
Achieve 3x growth in origination volume,
enabling faster customer acquisition
Seamless API onboarding
& documentation
02
Comprehensive Credit
Lifecycle Management
Manage everything from credit origination
to servicing, collections, and delinquency
Gain a 360-degree view of borrower exposure, ensuring better credit decisions
03
Built on Future-Ready
Architecture
Proven capability to handle 10,000+ TPS with real-time event streaming
Cloud-ready platform supporting on-premises, public, and hybrid deployments
04
Empowered Risk
Mitigation
Intelligent underwriting powered by AI ensures faster and more accurate decisions
Real-time margin tracking and multi-dimensional exposure views minimize credit risks
Preferred Digital Lending solution for top banks globally
Revolutionizing Lending Operations
eMACH.ai Lending – Overall Architecture
Diverse loan products
Comprehensive loan lifecycle management
Integration of functional capabilities
Why choose
eMACH.ai Lending?
Seamless Onboarding Experience
- Omni-channel origination with customer initiated/ RM assisted journeys
- API-based origination enabling collaboration with fintechs
- Digital data aggregation through structured and unstructured data sources
- Zero touch documentation enabled by digital signatures
Accelerate Growth with Scalability
- Proven to handle 10 million+ accounts and process thousands of transactions per second
- Cloud-native platform ensures seamless scalability across geographies and business segments
Future-Ready Architecture
- Built on MACH principles (Microservices, API-first, Cloud-native, Headless) for unmatched flexibility
- Real-time data streaming and embedded AI enable dynamic decision-making and operational efficiency
Comprehensive Credit Ecosystem
- Integrate seamlessly with fintechs, credit bureaus, and third-party systems via 1,200+ APIs
- Modular design allows independent deployment of components, ensuring progressive modernization
Minimize Credit Risks
- Centralized real-time monitoring across varied lines of business
- Multi-dimensional exposure view
- Single view of borrower’s exposure across multiple levels
- Real-time margin tracking
Maximize Collections
- Real-time loan performance analysis
- Personalized follow up
- Intuitive collection score for segmentation
- Customer-centric strategies and streamlined collection processes
What Our Clients Say
Transforming
Challenges into
Success Stories
Case Study: Intellect fuels aggressive growth for YES Bank, a leading private sector bank in India
50% reduction in loan processing time
100% digital onboarding for MSME customers
Powered on-the-go approvals, slashing approval times by 30% for preferred business lines
Case Study: Leading Private Sector Bank in India transforms its loan origination & credit card solution
Case Study: Bank implements Intellect Collaterals and Limits Management System across Asia Pacific and Europe
Award-Winning
Innovations
Intellect Ranked No. 3 in Global Leadership – Geographic spread in IBSi Sales League Table 2024
Intellect Ranked No. 2 among Regional Leaders in North America in IBSi Sales League Table 2024
Ranked No. 2 Islamic – Retail Lending in IBSi Sales League Table 2024
Ranked No. 1 Retail Lending in IBSi Sales League Table 2024
Ranked number 1 for Retail Lending in IBS Annual Sales League Table 2022
Ranked number 1 for Product Breadth in IBS Annual Sales League Table 2022
Regional Leader (ASEAN) in IBS Annual Sales League Table 2022
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Learn.
Innovate.
FAQs
How does eMACH.ai Lending empower financial institutions?
eMACH.ai Lending provides a fully automated, all-in-one lending platform. It integrates origination, servicing, and debt management, enabling FIs to offer seamless, real-time, and efficient credit services.
What is unique about the 'Always On, Always Aware' concept?
This concept ensures banks deliver real-time, digital-first solutions. It empowers banks to make informed credit decisions, enabling a 360-degree credit portfolio view for customers.
How does eMACH.ai Lending simplify exposure and collateral management?
Intellect’s CLMS provides real-time exposure and collateral monitoring with centralized asset tracking, ensuring a single source of truth for secured and unsecured credit exposures.
What types of credit products does eMACH.ai Lending support?
eMACH.ai Lending supports a range of credit products, including retail, corporate, SME, and agricultural loans, with flexibility for customization to meet diverse business needs.
How does eMACH.ai Lending reduce operational costs?
eMACH.ai Lending robust architecture automates workflows, minimizes manual interventions, and ensures efficient processes, resulting in significantly lower operational costs.
