Intellect Quantum

Purpose-built Digital Technology Solution for Central Banks

Accelerating Progressive
Transformation for Central Banks

Intellect Quantum is the world’s first and only core banking solution that is purpose built with central bank specific functionalities to efficiently manage every aspect of their financial market operations. The single integrated solution has been uniquely designed to address the entire breadth and depth of central banking operations, aimed at reducing complexity while maintaining stability of the country’s financial health. Built on eMACH.ai platform (Events, Microservices, API, Cloud and Headless), Intellect Quantum, is more efficient, composable, maintainable, and scalable to the continuously evolving needs of the central banks.

Next-Generation Central Banking

Real-time Financial Statements/ Balance Sheet

Seamless navigation from General Ledger (GL) to transaction level with complete elimination of reconciliation hassle

  • Integrated budget/ financial accounting
  • n-Tier structure
  • Financial reporting tool
Real-time Financial Statements/ Balance Sheet - IGCB
 

Online Banking Services Portal for Banks and Government

Uniquely designed online portals with over 250 services for commercial banks, government and currency circulation management

  • CASA, OD, deposits
  • Comprehensive limits and interest rate types
  • Teller, vault and cash
  • Remittances
  • Positive cheque management
Online Banking Services Portal for Banks and Government - iGCB
 

Government Services

Complete surplus and deficit management with highly flexible business rules configurator with over 1000 parameters

  • Agency transactions with 100% STP
  • Tax collection
  • Payments/ Receipts
  • Foreign borrowing
Government Services - IGCB
 

Advanced Collateral and Liquidity Management

Advanced collateral pool management with 9+ pledging models, 25+ eligibility controls, 14+ haircuts, 120+ MT/MX message combinations and 100% STP

  • Comprehensive eligibility factors, haircuts, and concentration limits
  • Revaluation and margin call
  • Advanced liquidity management
  • Intraday liquidity
Advanced liquidity management  - IGCB
 

National Payments System

Advanced payments & settlements engine for high-volume government payments and security/collateral transactions processing

  • Liquidity/ Intraday liquidity to payment system
  • Gross/ Net settlements
  • Dynamic settlements
  • Low/ High value settlements
National Payments System - IGCB
 

Treasury Single Account

Integrated front to back office operations and improves the fund efficiency by avoiding government money fragmentation in the country

  • Flexible choice of instruments
  • Real-time balance consolidation
  • FX, MM, equities, fixed income
  • Derivatives
  • ACU, IMF SDR
Treasury Single Account - IGCB
 

Reserve Portfolio Management with Risk Analytics

Advanced reserve portfolio management with in-built multi-dimensional risk analytics

  • Reserves management
  • Limits/ Risk management
  • Risk analytics
Reserve Portfolio Management with Risk Analytics - IGCB
 

Currency and Vault Management

Real-time monitoring of currency in circulation at the national level

  • Currency lifecycle management
  • Vault/ Chest management
  • Currency circulation monitoring
Currency and Vault Management - IGCB
 

Depository and Public Debt Management

Integrated public debt (Bond/Bills) management including underwriting. Depository with complete life cycle support for securities up to redemption

  • Auction management
  • Simulation and allotment
  • DVP-1, 2 and 3 based settlement
  • Support for legacy physical bonds
  • Custody management
  • Comprehensive security services
Depository and Public Debt Management - IGCB
 

Credit and Market Operations Management

Flexible and user configurable loan products

  • Comprehensive limits and interest rate types
  • Open market operations
  • DVP-1, 2 and 3 based settlement
  • Support for legacy physical bonds
  • Custody management
  • Comprehensive security services
Depository and Public Debt Management - IGCB
 

Trade Finance

Comprehensive import and export LCs

  • Export credit refinance
  • Guarentee and documentary bill
  • Fully SWIFT compliant
Trade Finance - IGCB
 

Driving Transformation in Central banks with Intellect Quantum

Intellect Quantum

24%

Powering countries with 24% of global population
Intellect Quantum

750+

Central Banking Experts building the solution
Intellect Quantum

113M+

transactions supported per day
Intellect Quantum

30M+

ISO20022 payment messages supported per day
Intellect Quantum

99.999%

uptime with robust and scalable architecture

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