Internet Banking and Mobile Banking software Internet Banking and Mobile Banking software

Driving Contextual Digital Experiences

Omni-Channel digital banking Omni-Channel digital banking

Save and Resume across any Device

Omni-Channel digital banking Omni-Channel digital banking

AR-enabled offers, PoV banking and more

Ahli Bank
ANZ Bank
CIBC Bank
EXIM Bank
cater_allen

Welcome to the Experience Economy. As digital journeys become more complex, your customers demand the Amazon or Netflix experience, everywhere. Instead of playing catch up, why not be a game-changer? With Intellect CBX Retail 20, provide truly contextual experiences to your customers by bringing together AI, data analytics, agile architecture and core-agnostic integration. Implemented across Asia, Africa, the Middle East, and Europe, we are recognized Leaders in Celent’s Worldwide report on Channel Banking Platforms, recognized for ‘Strong Performance’ on The Forrester WaveTM Digital Banking Engagement Platforms.

Design First. Digital Next

As preferred partners to global digital transformation initiatives, we reflected on 6 key questions that resonated most with our customers. What followed is our serious investments into a progressive and agile design for channel banking solutions. In short, the genesis of the Next Generation CBX Retail 20.

Design First. Digital Next

At Intellect, we design experiences for people, for personas. This is why we have a rich catalogue of user journeys across 200+ business functions! CBX Retail also comes with a modular, API-led architecture and an interface layer that can integrate with your core banking system with ease.

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Personalised Banking with Artificial Intelligence

Personalised Banking
with Artificial Intelligence
differentiated services. Dynamic segmentation and
targeted offers

Mobile Banking Software Providers

Digital Banking
with Open API's
Seamless 3rd party integration. Driving innovation
with 200+ API's

digital banking solutions

Simplified Banking powered
by BOTS
Conversational banking. Intelligent interactions.
Superior experience

Future Banking with Augmented Reality

A Peek into the Future
with Augmented Reality
Point of View (POV) banking. Location-based offers

digital banking solution provider

Intelligent Insights Powered
by Machine Learning
Next best offers. Increased cross-sell and up-sell

5-Dimensional Onboarding

5-Dimensional Onboarding

Onboarding typically has a high abandonment rate. And if we are to reimagine banking, it must start right at the beginning, with this journey! Introducing the award-winning 5-Dimensional Onboarding from Intellect CBX Retail. Infused with AI and ML, 5D Onboarding comes with national ID capture, facial recognition, video and chat-bot integration. A customer can now onboard themselves in just 60 seconds! Still a high abandonment journey? We don’t think so.

Open Banking

This is a reimagining of collaborative banking. To stay ahead, you need to stay connected! Open Banking opens up a multitude of possibilities, which align with the bank’s aspirations, no matter what they are. Seamlessly integrate with FinTechs, BigTechs and third-party providers. Leverage a digital marketplace. No matter what the digital aspiration, CBX Retail will sail you through.

Identity Fraud Detection

Typically, in an AML scenario, the traditional use of algorithms is post-facto; that is, to detect a pattern, the transaction needs to be seen through to the end. By identifying anomalies much earlier, we can move into the area of fraud detection instead. These are mechanisms that enable you to score a transaction and provide security at the customer level. You still allow the transaction to continue, but you allow it with a fraud control mechanism baked in Intelligence.

Cash Flow Prediction

Banks can now make personalized recommendations and predict cash flow with the advanced Cash Flow prediction. From now on, your customer’s dashboard is more than just an overview. The customer not only gets information from his dashboard, but valuable insight into their financial health. Richer view, more information to enable better decisions.

With Intellect CBX Retail 20, beauty is no longer skin deep. To orchestrate seamless, contextual, delightful digital experiences, we packed some serious power under the hood with three technologies. With these, the bank can craft its own modernisation path, take control of experience design, and get integration baked into the system. Here’s a sneak peek.

Digital Banking Enterprise Services

Design for Progressive Modernisation

Digital Banking Enterprise Services (DBES) enables progressive modernisation, business agility and technology agility. Here are some of the possibilities on this revolutionary architecture –

  • Digital-only Product Propositions: Launch segment-based products rapidly through digital channels, with product configurator and pricing engine bundled inside DBES.
  • Minimize Integration Touch Points: Don’t stretch your core (70% workload can be managed at channel level). With comprehensive Product Processors, modernize your digital, your way.
  • Open Banking Ready: Consume advanced services through 14 U.K. Open Banking compliant, monetisable APIs. Seamlessly integrate with third party ecosystems and pull from a marketplace of vendor services.
  • Intelligence as a Service: You can enable contextual intelligence as a service. Recommend next best product/offers by segmentation, leading to higher digital sales and revenue generation for the bank.

DBES is the ticket to an omni-channel set up, not just an omni-digital one. As you progresses on the digital journey, you can shift every channel on to this platform to decrease the number of siloed systems, reduce maintenance costs and progressively shrink the legacy core.

Experience Design Studio

Craft Agile Experiences

What if self-service could be baked into the system? What if banking were ‘role-aware’ across stakeholders and business functions? When the right tools reach the right hands, a single resource within the bank is able to play multiple roles. Cross-sell and up-sell are organic and smooth. And above all, the bank achieves tremendous business agility – an ability to deploy products in the market proactively, in the blink of an eye.

The Experience Design Studio is an SDK that allows users to create their own pages.

Keeping both UX and UI in mind, CBX-Retail is built on design principles that reverberate throughout the product. The following principles form the foundation on which the product is built.

  • From transactions to relationship and conversation
  • From clunky to swift single clicks
  • Intelligence under the hood: Targeted marketing, recommendations
  • Different brands, single CSS: Segmentation and persona-driven

This is an innovation that puts the steering wheel into the hands of the role holder, not the technology provider.

Olive Fabric

Design for Seamless Integration

So far, the bank bore the burden of having to be the source of all innovation. Thanks to Intellect Olive Fabric, this is no longer the case. Marketplace thinking opens up a two-way street for innovation and makes banking boundary-less. From within, make all verticalised solutions accessible and integrated on a single platform. And from without, take a service from a fintech, connect it to your core platforms and deliver new business models for the customers.

Olive Fabric is a light weight JAVA based enterprise service bus, allows different applications to communicate with each other by acting as a transit system for carrying data between applications within the enterprise or across Internet. The path breaking cloud based studio of Olive is multi-tenant enabled and provides collaborative environment for project development, testing and deployment.

As preferred partners to global digital transformation initiatives, we reflected on 6 key questions that resonated most with our customers. What followed is our serious investments into contemporary digital technologies and a progressive and agile design for channel banking solutions. In short, the genesis of the Next Generation CBX Retail 20.

Design First. Digital Next

At Intellect, we design experiences for people, for personas. This is why we have a rich catalogue of user journeys across 200+ business functions! CBX Retail also comes with a modular, API-led architecture and an interface layer that can integrate with your core banking system with ease.


Personalised Banking
with Artificial Intelligence
Differential services. Dynamic segmentation and
targeted offers

Digital Banking
with Open API's
Seamless 3rd party integration. Driving innovation
with 280+ API's

Simplified Banking powered
by BOTS
Conversational banking. Intelligent interactions.
Superior Experience

A Peek into the Future
with Augmented Reality
Point of View (POV) banking. Location-based offers.

Intelligent insights powered
by Machine Learning
Next best offers. Increased cross-sell and up-sell.

5-Dimensional Onboarding

5-Dimensional Onboarding

Onboarding typically has a high abandonment rate. And if we are to reimagine banking, it must start right at the beginning, with this journey! Introducing the award-winning 5-Dimensional Onboarding from Intellect CBX Retail. Infused with AI and ML, 5D Onboarding comes with national ID capture, facial recognition, video and chat-bot integration. A customer can now onboard themselves in just 60 seconds! Still a high abandonment journey? We don’t think so.

Open Banking

This is a reimagining of collaborative banking. To stay ahead, you need to stay connected! Open Banking opens up a multitude of possibilities, which align with the bank’s aspirations, no matter what they are. Seamlessly integrate with FinTechs, BigTechs and third-party providers. Leverage a digital marketplace. No matter what the digital aspiration, CBX Retail will sail you through.

Identity Fraud Detection

Identity Fraud Detection

Typically, in an AML scenario, the traditional use of algorithms is post-facto; that is, to detect a pattern, the transaction needs to be seen through to the end. By identifying anomalies much earlier, we can move into the area of fraud detection instead. These are mechanisms that enable you to score a transaction and provide security at the customer level. You still allow the transaction to continue, but you allow it with a fraud control mechanism baked in Intelligence.

Cash Flow Prediction

Banks can now make personalized recommendations and predict cash flow with the advanced Cash Flow prediction. From now on, your customer’s dashboard is more than just an overview. The customer not only gets information from his dashboard, but valuable insight into their financial health. Richer view, more information to enable better decisions.

With Intellect CBX Retail 20, beauty is no longer skin deep. To orchestrate seamless, contextual, delightful digital experiences, we packed some serious power under the hood with three technologies. With these, the bank can craft its own modernisation path, take control of experience design, and get integration baked into the system. Here’s a sneak peek.

Digital Banking Enterprise Services

Design for Progressive Modernisation

Digital Banking Enterprise Services (DBES) enables progressive modernisation, business agility and technology agility. Here are some of the possibilities on this revolutionary architecture –

  • Digital-only Product Propositions: Launch segment-based products rapidly through digital channels, with product configurator and pricing engine bundled inside DBES.
  • Minimize Integration Touch Points: Don’t stretch your core (70% workload can be managed at channel level). With comprehensive Product Processors, modernize your digital, your way.
  • Open Banking Ready: Consume advanced services through 14 U.K. Open Banking compliant, monetisable APIs. Seamlessly integrate with third party ecosystems and pull from a marketplace of vendor services.
  • Intelligence as a Service: You can enable contextual intelligence as a service. Recommend next best product/offers by segmentation, leading to higher digital sales and revenue generation for the bank.

DBES is the ticket to an omni-channel set up, not just an omni-digital one. As you progresses on the digital journey, you can shift every channel on to this platform to decrease the number of siloed systems, reduce maintenance costs and progressively shrink the legacy core.

Experience Design Studio

Craft Agile Experiences

What if self-service could be baked into the system? What if banking were ‘role-aware’ across stakeholders and business functions? When the right tools reach the right hands, a single resource within the bank is able to play multiple roles. Cross-sell and up-sell are organic and smooth. And above all, the bank achieves tremendous business agility – an ability to deploy products in the market proactively, in the blink of an eye.

The Experience Design Studio is an SDK that allows users to create their own pages.

Keeping both UX and UI in mind, CBX-Retail is built on design principles that reverberate throughout the product. The following principles form the foundation on which the product is built.

  • From transactions to relationship and conversation
  • From clunky to swift single clicks
  • Intelligence under the hood: Targeted marketing, recommendations
  • Different brands, single CSS: Segmentation and persona-driven

This is an innovation that puts the steering wheel into the hands of the role holder, not the technology provider.

Olive Fabric

Design for Seamless Integration

So far, the bank bore the burden of having to be the source of all innovation. Thanks to Intellect Olive Fabric, this is no longer the case. Marketplace thinking opens up a two-way street for innovation and makes banking boundary-less. From within, make all verticalised solutions accessible and integrated on a single platform. And from without, take a service from a fintech, connect it to your core platforms and deliver new business models for the customers.

Olive Fabric is a light weight JAVA based enterprise service bus, allows different applications to communicate with each other by acting as a transit system for carrying data between applications within the enterprise or across Internet. The path breaking cloud based studio of Olive is multi-tenant enabled and provides collaborative environment for project development, testing and deployment.

IF YOU WISH TO KNOW MORE ABOUT CBX RETAIL, CLICK HERE TO DOWNLOAD THE PRODUCT BROCHURE

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Design First. Digital Next