Gestión de la deuda

Composable, Microservices-based & API driven Debt Management Solution built to Maximise your Collections

eMACH.ai Lending’s Debt Management is an AI-first, end-to-end debt collections platform designed to help financial institutions recover faster and operate more efficiently across both centralized and field collections. Built on a future-ready, highly composable eMACH.ai architecture, the platform enables institutions to rapidly configure and scale collection workflows without disrupting core systems, while seamlessly integrating with existing banking and partner ecosystems.

Designed to modernize collections at scale, the platform empowers teams to design, test, and deploy intelligent collection strategies that extend consistently from centralized operations to the last mile. AI-driven rules and automated workflows orchestrate actions and escalations across digital, assisted, and on-ground channels, ensuring proactive, data-driven engagement. Centralized, real-time visibility provides tight governance and control across internal teams, external agencies, and field agents, while enabling continuous optimization of strategies.

Built on a modular, API-led, and low-code foundation, eMACH.ai Lending’s Debt Management delivers transformation certainty with rapid deployment within 8 weeks, backed by a proven implementation framework that minimizes risk. With native support for mobile-first, offline-capable field execution and an enterprise-grade platform proven across 30+ global implementations, banks and financial institutions can confidently scale compliant, customer-centric recovery experiences—from strategy design to field execution—on a production-tested solution


25% Faster Recovery

40% Cost Reduction

360° View of Collection Efforts


01

Embedded AI for Intelligent, Context-Aware Debt Recovery

Drive higher recoveries with AI-recommended next-best collection actions

Improve decision accuracy using real-time, contextual portfolio insights

Segment cases intelligently to prioritize efforts with maximum impact

02

End-to-End Debt Management with Integrated Last-Mile Execution

Orchestrate collections seamlessly from strategy design to field execution

Ensure consistent recovery actions across digital, assisted, and field channels

03

Field-Ready by Design, Not an Afterthought

Enable uninterrupted field collections with offline-first mobile execution

Eliminate execution gaps between central strategy and field operations

Guide agents with real-time intelligence and compliant on-ground actions

04

Proactive, Customer-Centric Collections at Scale

Shift from reactive to proactive, customer-specific engagement recovery

Reduce friction and churn while maintaining strong recovery performance

Engage customers through preferred channels with timely, relevant nudges

05

Unified Control with Real-Time Risk & Performance Visibility

Monitor portfolio risk and recovery performance in real time

Intervene early with actionable insights and automated risk alerts

Track and optimize productivity across internal teams and agencies

Taner Ayhan

DIRECTOR GENERAL

Como VakifBank, siempre nos hemos comprometido a ofrecer los mejores servicios y soluciones a nuestros clientes, y creemos que los productos de iGCBnos permitirán alcanzar nuestra visión de convertirnos en un banco digital líder en Europa. La plataforma Digital Core and Lending de iGCBnos ofrece la flexibilidad, escalabilidad e innovación que necesitamos para satisfacer las necesidades y expectativas cambiantes de nuestros clientes, al tiempo que optimiza nuestra eficiencia operativa y el cumplimiento normativo. Estamos entusiasmados y deseando trabajar con iGCB para crear una experiencia bancaria fluida y superior para nuestros clientes".

Muaz Termaz

SVP Jefe de Recaudación de Morosos, Banco Nacional Saudí (SNB)

El notable logro de terminar nuestro proyecto en sólo cuatro meses ha sido posible gracias al esfuerzo colectivo y la experiencia de los miembros de nuestro cualificado equipo, encabezado por Intellect

Anup Purohit

Director de Información, Yes Bank

La exclusiva plataforma de Originación de Préstamos Comerciales permite a YES BANK ampliar los productos y servicios de préstamos comerciales con versátiles capacidades de integración a través de API abiertas.

Taner Ayhan
Muaz Termaz
Anup Purohit