SME Marketplace

Providing a Superlative Credit Experience to your SME Customers. Ensure faster access to credit with loan disbursements in minutes rather than weeks!

This platform is India’s first end-to-end digital SME credit management solution, enabling you to launch your SME business in just 50 days. It allows to create segment-specific credit offerings, deliver an exceptional customer experience across all channels, and provide faster access to credit with loan disbursements in minutes. Designed to transform your SME lending business, this platform helps you make quicker, data-driven credit decisions, reduce operational costs, manage risks proactively, and collaborate seamlessly with fintech partners to originate loans across multiple channels.


22000 Avg. Originations/Day

600 Transactions Per Second

10M+ Active Loans

50ms Avg. Response Time


01

Smarter and Faster
Orgination

Omni-channel origination

Document management

Auto adjudication

Digital data aggregation

API-based origination

Auditable conversations

02

Comprehensive and Flexible
Loan Management System

Loan servicing

Powerful product configuration engine

Superior flexibility in amortization

Exhaustive loan parameters

Loan restructuring & modifications

03

Multi-Dimensional
Exposure Management

Enterprise limit monitoring

Real-time margining tracking

Multi-dimensional exposure view

04

Integrated Debt
Management

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

Comprehensive Loan Management

02

Configurable Loan Products

03

Integrated Functional Capabilities

why choose us

Curate Unique Credit Experiences for SMEs – iGCB

Launch differentiated products and deliver them on any channel with digital journeys that are paperless, personalized, and comprehensive:

  • 50+ ready-to-use out of box configurable product templates.
  • In-built marketplace to provide contextualized credit experiences for your SME customers.
  • Integrated platform with loan servicing and management, limits monitoring and debt management modules.
  • Real Time 360-degree view of customers enabling up/cross-sell via integrations.

Drive “Application to Sanction’ in minutes

Enable Customers to self-initiate loan applications and receive credit decisions in minutes:

  • Leverage a powerful ecosystem to aggregate information from a wide range of structured and unstructured database for rapid decisioning
  • 50+ API service calls to fetch, authenticate and analyse data.
  • Configurable Rule Engine to automate eligibility computation, generate offers and provide sanctions instantaneously.
  • Eliminate customer drop outs by seamlessly integrated Relationship Manager Assisted workflows.

Accelerate your business growth

Collaborate with Aggregators/Fintechs and other business partners to bring in customers from various micro markets:

  • Omni-channel digital credit on-boarding to grow your business without corresponding increase in physical and technological infrastructure
  • Leverage API-based onboarding to scale up volumes with zero touch processing
  • Digitize end-to-end SME credit management to rise above the constraints of business hours, availability of RMs and service staff, and productivity challenges.
  • ‘Try-Test-Grow’ with Zero capex commercial model to enable ‘pay as you go’

Manage risks proactively

AI-powered portfolio monitoring to assess risks at real time:

  • Leveraging Intellect Sherlock, an AI enabled portfolio monitoring engine, to scan the external environment for events impacting your portfolio and generate early warning alerts’.
  • Analyse various internal and external data patterns, transactions, and repayments to compute probability of default and take timely remedial action

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 is Digital Core Banking, and how does it work?

Digital Core Banking is a cloud-native platform that modernizes traditional banking operations. It enables real-time transactions, integrates with fintech ecosystems, and delivers personalized customer experiences using AI.

02

Why should banks upgrade to a digital core banking platform?

Upgrading helps banks improve scalability, speed up product launches, enhance compliance with regulations, and meet evolving customer expectations for seamless banking experiences.

03

How does Digital Core Banking support Open Banking initiatives?

The platform is Open Banking-ready, offering secure APIs that enable banks to share data with third-party providers while adhering to standards like PSD2.

04

What industries can benefit from Digital Core Banking?

Digital Core Banking supports retail, corporate, and SME banking, making it versatile for banks serving diverse customer segments.

05

How does AI enhance Digital Core Banking systems?

AI drives features like predictive analytics, customer segmentation, fraud detection, and personalized banking, boosting efficiency and customer satisfaction.