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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20% Reduction in Past-due and Written-off Loans

Transforming Credit Management

Accelerated Credit
Origination

Achieve 3x growth in origination volume,
enabling faster customer acquisition

Seamless API onboarding
& documentation

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

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

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

End-to-End Credit Lifecycle Management

Hyper-Personalized Lending Journeys

Intelligent Risk Management

Faster Time-to-Market

Advanced Debt Management Capabilities

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

What Our Clients Say

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.

Transforming
Challenges into
Success Stories

Asia Pacific Digital Lending

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

IMEA Digital Lending

Case Study: Leading Private Sector Bank in India transforms its loan origination & credit card solution

Asia Pacific Capital Cube Treasury

Case Study: Bank implements Intellect Collaterals and Limits Management System across Asia Pacific and Europe

All products

Intellect Ranked No. 3 in Global Leadership – Geographic spread in IBSi Sales League Table 2024

All products

Intellect Ranked No. 2 among Regional Leaders in North America in IBSi Sales League Table 2024

Digital Lending

Ranked No. 2 Islamic – Retail Lending in IBSi Sales League Table 2024

Digital Lending

Ranked No. 1 Retail Lending in IBSi Sales League Table 2024

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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.