Intellect Digital Core

Comprehensive core banking platform helping Banks grow business, improve customer experience and reduce risk

In a rapidly evolving financial landscape, staying ahead requires a core banking platform that is as dynamic and innovative as your ambitions. Intellect Digital Core (IDC) is a unified platform meticulously designed for Retail, SME, and Commercial banks. IDC’s comprehensive product suite, built on a robust cloud-native microservices architecture, delivers unmatched scalability and flexibility, effortlessly adapting to meet the demands of an ever-changing market. Its Open Finance capabilities unlock access to country-specific marketplaces, ensuring global readiness. Seamless integration is paramount; IDC’s headless architecture ensures smooth interoperability with any digital banking platform, including iGCB’s own Digital banking platform, thereby future-proofing your operations.

IDC goes beyond traditional banking with embedded AI-driven customer journeys, making them more intuitive. This powerful combination allows your institution to deliver bespoke, innovative solutions tailored to the unique needs of modern clients.


338M Accounts

180M Customers

91B Transactions Per Year


01

Accelerate Business Growth

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

Reduce development costs through parameterization & customer extensibility kit

Configure new products with DIY Product Configurator & Product Templates

Drive efficiency with AI-based automated processes & rule-based STP

02

Improve Customer Experience

Integrate with digital banking and other systems to deliver personalised customer experience through Open APIs

Onboard new credit customers, disburse and manage loans digitally with a credit platform

Onboard customers and provide personalised experience through a unified Digital Engagement Platform

03

Reduce risk Focus

N-Tier Real-time General
Ledger

Experience faster go-to-market with minimal disruption in data migration

Comply with local regulations with a country-ready core banking platform

More control of implementation with on-site Intellect implementation team

Jumpstart with
Our Comprehensive
Offerings

Current &
Saving Account

Lending

Deposits

Trade Finance

Cards

Digital Banking

Payments

Treasury

Comprehensive Solutions
Connected Ecosystem
Powerful Architecture
Meaningful Experiences
Sustainable Banking
×
01

Microservices-based architecture with Composable processes, Business Components, Open Data Models and Open Services enabling agility

02

Scalable to Multi-cloud, multi-country, multi-entity, multi-branches, multi-lingual, and multi-currency

03

Composable Process Designer (iTurmeric ) enables the composability of heterogeneous business components across the ecosystem

04

Customization and Extensibility Kit allows customisation based on user roles

why choose us

Future-proof design

  • Composable eMACH.ai architecture
  • Open APIs allowing connected ecosystems

Quick go-to-market

  • Comprehensive coverage of business components
  • Low code-no code composable process designer

In-depth domain knowledge

  • 325+ clients across 57+ countries
  • Experienced leadership from tier 1 global banks

Customer-centric culture

  • Nimble & agile culture with an entrepreneurial mindset
  • Commitment to joint innovation
  • Long-term success partner mindset

Higher ROI

  • Adaptive commercial model
  • Risk-sharing approach

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
IMEA Digital Core

Case Study: A leading bank in Zimbabwe partners with iGCB to transform Core Banking

  • 100 business days

  • support over 11,500 transactions per second

  • 200% increase in transaction processing capacity

IMEA Digital Core

Case Study: Utkarsh Small Finance Bank goes live with comprehensive core banking

Global Digital Core

Case Study: Driving Digital Transformation for a subsidiary of Santander UK

Asia Pacific Digital Core

Case Study: Transforming Sonali Bank’s Core Banking

All products
All products

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

All products
All products

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

Digital Core
Digital Core

Ranked No. 1 Retail Core Banking in IBSi Sales League Table 2024

Digital Core
Digital Core

IDC won DigiBank Ethiopia 2023 Awards for ‘Excellence in Customer Experience’ for Ahadu Bank implementation. Ahadu Bank won the Excellence in Digital Leadership award.

Digital Core
Digital Core

iGCB’s Intellect Digital Core (IDC) won an XCelent award for ‘Advanced Technology’ and rated highly amongst Global Core Banking Platforms in Celent’s International ABC Analysis Report titled ‘Assessing the International Core Banking Systems Market’.

Digital Core, eMACH.ai DEP
Digital Core, eMACH.ai DEP

Rated as a Leader in ‘The Forrester Wave Digital Banking Processing Platforms for Retail Banking, Q3 2022’

Digital Core
Digital Core

Winner for Most Effective Digitization for Intellect Digital Core implementation at Janata Bank

01

What are the key factors banks should consider while choosing IDC?

Banks should consider scalability and performance, speed to market, open ecosystem, domain & market expertise, delivery expertise & technology provider’s cultural fitment as some of the factors while choosing a core banking technology provider. IDC is a leader in core banking with proven expertise in all these metrics.

02

How does the IDC platform help reduce operational costs?

IDC achieves cost efficiency by:
● Automating workflows, reducing manual intervention, and improving accuracy.
● Leveraging rule-based engines for pricing, transaction monitoring, and credit origination.
● Offering a Pay-as-you-grow model, ensuring cost alignment with business scale.

03

Can IDC help with Open Banking compliance?

Yes, the platform is fully compliant with Open Banking and Open Finance standards. It provides extensive APIs that enable seamless integration with fintech partners, marketplaces, and third-party systems, ensuring banks can harness the power of an interconnected financial ecosystem.

04

How does IDC improve the customer experience?

IDC comes with a digital engagement platform which helps banks onboard customers digitally within minutes. The platform also helps banks provide all banking (loans, payments, deposits, investments), engagement (PFM, Loyalty, rewards) and beyond banking (ESG, wallets, SuperApp) all in one platform across channels.

05

How secure is the IDC platform?

IDC incorporates advanced security features, including:
● AI/ML-driven fraud detection for proactive risk management.
● Compliance with global regulatory standards, ensuring secure operations.
● Continuous monitoring and real-time alerts to mitigate risks effectively.